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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 | $115,931-32.6% | $185,441-57.9% | $86,983-10.1% |
| Participation rate | 96.4% | 73.6%+22.8pp | 80.3%+16.2pp | 69.5%+26.9pp |
| Annual return | 18.44% | 21.47%-3.0pp | 20.16%-1.7pp | 25.83%-7.4pp |
| Employer contribution / active EE | $3,182 | $2,937+8.4% | $4,672-31.9% | $2,584+23.1% |
| Participant deferral / active EE | $6,043 | $4,551+32.8% | $6,152-1.8% | $4,194+44.1% |
| Admin fee / account holder | $7,253 | $10,687-32.1% | $17,890-59.5% | $7,856-7.7% |