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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 | $70,406 | $60,349+16.7% | $74,184-5.1% | $62,881+12.0% |
| Participation rate | 81.0% | 72.7%+8.2pp | 76.6%+4.3pp | 69.3%+11.6pp |
| Annual return | 6.31% | 21.38%-15.1pp | 17.74%-11.4pp | 20.14%-13.8pp |
| Employer contribution / active EE | $1,455 | $1,680-13.4% | $2,370-38.6% | $2,281-36.2% |
| Participant deferral / active EE | $3,149 | $2,856+10.2% | $3,550-11.3% | $3,203-1.7% |
| Admin fee / account holder | $6,242 | $4,261+46.5% | $5,586+11.8% | $4,296+45.3% |