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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 | $75,240 | $60,349+24.7% | $74,184+1.4% | $62,881+19.7% |
| Participation rate | 87.5% | 72.7%+14.8pp | 76.6%+10.9pp | 69.3%+18.2pp |
| Annual return | 6.88% | 21.38%-14.5pp | 17.74%-10.9pp | 20.14%-13.3pp |
| Employer contribution / active EE | $4,687 | $1,680+178.9% | $2,370+97.8% | $2,281+105.5% |
| Participant deferral / active EE | $2,728 | $2,856-4.5% | $3,550-23.1% | $3,203-14.8% |
| Admin fee / account holder | $6,770 | $4,261+58.9% | $5,586+21.2% | $4,296+57.6% |