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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 | $78,163 | $110,137-29.0% | $161,149-51.5% | $82,637-5.4% |
| Participation rate | 96.4% | 72.4%+24.1pp | 78.8%+17.6pp | 68.1%+28.4pp |
| Annual return | 18.44% | 20.69%-2.2pp | 21.16%-2.7pp | 53.51%-35.1pp |
| Employer contribution / active EE | $3,182 | $2,856+11.4% | $4,360-27.0% | $2,552+24.7% |
| Participant deferral / active EE | $6,043 | $4,575+32.1% | $6,153-1.8% | $4,126+46.5% |
| Admin fee / account holder | $7,253 | $9,467-23.4% | $15,194-52.3% | $7,339-1.2% |