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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 | $85,644 | $181,896-52.9% | $156,551-45.3% | $273,972-68.7% |
| Participation rate | 95.2% | 88.4%+6.9pp | 84.0%+11.2pp | 83.0%+12.2pp |
| Annual return | 11.16% | 30.74%-19.6pp | 32.23%-21.1pp | 41.46%-30.3pp |
| Employer contribution / active EE | $7,235 | $6,248+15.8% | $5,501+31.5% | $4,869+48.6% |
| Participant deferral / active EE | $7,094 | $5,550+27.8% | $4,871+45.6% | $5,287+34.2% |
| Admin fee / account holder | $4,567 | $15,560-70.6% | $13,028-64.9% | $10,133-54.9% |