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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 | $71,347 | $52,306+36.4% | $69,779+2.2% | $62,881+13.5% |
| Participation rate | 96.8% | 67.2%+29.5pp | 71.8%+24.9pp | 69.3%+27.5pp |
| Annual return | 7.10% | 13.35%-6.3pp | 12.99%-5.9pp | 20.14%-13.0pp |
| Employer contribution / active EE | $4,516 | $1,799+151.0% | $2,338+93.1% | $2,281+98.0% |
| Participant deferral / active EE | $4,112 | $2,395+71.7% | $2,931+40.3% | $3,203+28.4% |
| Admin fee / account holder | $3,464 | $3,691-6.2% | $4,381-20.9% | $4,296-19.4% |