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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,614 | $67,602+20.7% | $82,312-0.8% | $70,126+16.4% |
| Participation rate | 88.5% | 72.8%+15.7pp | 76.9%+11.6pp | 69.5%+18.9pp |
| Annual return | 12.68% | 21.57%-8.9pp | 25.88%-13.2pp | 73.15%-60.5pp |
| Employer contribution / active EE | $857 | $1,755-51.2% | $2,428-64.7% | $2,343-63.4% |
| Participant deferral / active EE | $4,518 | $2,987+51.3% | $3,706+21.9% | $3,332+35.6% |
| Admin fee / account holder | $6,048 | $4,512+34.1% | $5,608+7.8% | $4,645+30.2% |