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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 | $84,673 | $76,551+10.6% | $123,894-31.7% | $62,881+34.7% |
| Participation rate | 73.3% | 73.0%+0.4pp | 81.4%-8.1pp | 69.3%+4.0pp |
| Annual return | 7.35% | 18.68%-11.3pp | 47.52%-40.2pp | 20.14%-12.8pp |
| Employer contribution / active EE | $2,186 | $2,882-24.1% | $4,617-52.6% | $2,281-4.1% |
| Participant deferral / active EE | $4,633 | $4,840-4.3% | $5,984-22.6% | $3,203+44.7% |
| Admin fee / account holder | $4,104 | $4,826-15.0% | $8,357-50.9% | $4,296-4.5% |