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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 | $81,672 | $86,949-6.1% | $102,460-20.3% | $80,959+0.9% |
| Participation rate | 72.4% | 72.4%0pp | 76.5%-4.1pp | 67.7%+4.7pp |
| Annual return | 11.73% | 18.89%-7.2pp | 29.47%-17.7pp | 35.67%-23.9pp |
| Employer contribution / active EE | $3,350 | $2,370+41.3% | $3,025+10.7% | $2,757+21.5% |
| Participant deferral / active EE | $6,396 | $4,121+55.2% | $5,056+26.5% | $4,300+48.7% |
| Admin fee / account holder | $2,880 | $8,048-64.2% | $9,460-69.6% | $6,925-58.4% |