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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 | $71,484 | $81,504-12.3% | $102,437-30.2% | $80,959-11.7% |
| Participation rate | 88.0% | 66.9%+21.1pp | 74.5%+13.5pp | 67.7%+20.3pp |
| Annual return | 21.12% | 25.60%-4.5pp | 24.95%-3.8pp | 35.67%-14.6pp |
| Employer contribution / active EE | $9,007 | $3,104+190.2% | $3,871+132.7% | $2,757+226.7% |
| Participant deferral / active EE | $3,005 | $3,871-22.4% | $5,060-40.6% | $4,300-30.1% |
| Admin fee / account holder | $1,710 | $6,719-74.5% | $8,388-79.6% | $6,925-75.3% |