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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 | $76,643 | $81,487-5.9% | $102,412-25.2% | $80,935-5.3% |
| Participation rate | 80.8% | 66.8%+13.9pp | 74.5%+6.3pp | 67.7%+13.1pp |
| Annual return | 13.04% | 25.60%-12.6pp | 24.94%-11.9pp | 35.66%-22.6pp |
| Employer contribution / active EE | $3,031 | $3,103-2.3% | $3,870-21.7% | $2,757+9.9% |
| Participant deferral / active EE | $7,747 | $3,871+100.1% | $5,060+53.1% | $4,299+80.2% |
| Admin fee / account holder | $17,520 | $6,717+160.8% | $8,388+108.9% | $6,924+153.0% |