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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 | $85,374 | $78,015+9.4% | $178,505-52.2% | $80,959+5.5% |
| Participation rate | 71.8% | 65.7%+6.1pp | 77.1%-5.3pp | 67.7%+4.1pp |
| Annual return | 14.04% | 18.10%-4.1pp | 27.16%-13.1pp | 35.67%-21.6pp |
| Employer contribution / active EE | $2,807 | $2,281+23.1% | $3,955-29.0% | $2,757+1.8% |
| Participant deferral / active EE | $10,481 | $4,406+137.9% | $6,280+66.9% | $4,300+143.7% |
| Admin fee / account holder | $17,481 | $7,160+144.1% | $10,428+67.6% | $6,925+152.4% |