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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 | $74,850 | $86,938-13.9% | $102,423-26.9% | $80,925-7.5% |
| Participation rate | 96.8% | 72.4%+24.4pp | 76.5%+20.3pp | 67.7%+29.1pp |
| Annual return | 12.84% | 18.89%-6.0pp | 29.42%-16.6pp | 35.65%-22.8pp |
| Employer contribution / active EE | $2,574 | $2,369+8.6% | $3,023-14.8% | $2,756-6.6% |
| Participant deferral / active EE | $6,782 | $4,120+64.6% | $5,054+34.2% | $4,299+57.8% |
| Admin fee / account holder | $3,392 | $8,053-57.9% | $9,455-64.1% | $6,940-51.1% |