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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 | $70,488 | $86,919-18.9% | $102,457-31.2% | $80,911-12.9% |
| Participation rate | 91.4% | 72.4%+19.0pp | 76.5%+14.9pp | 67.6%+23.8pp |
| Annual return | 16.22% | 18.90%-2.7pp | 29.41%-13.2pp | 35.63%-19.4pp |
| Employer contribution / active EE | $749 | $2,368-68.4% | $3,022-75.2% | $2,756-72.8% |
| Participant deferral / active EE | $6,127 | $4,119+48.7% | $5,054+21.2% | $4,297+42.6% |
| Admin fee / account holder | $15,903 | $8,049+97.6% | $9,451+68.3% | $6,935+129.3% |