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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 | $71,843 | $99,345-27.7% | $84,753-15.2% | $273,972-73.8% |
| Participation rate | 93.3% | 80.7%+12.6pp | 76.6%+16.7pp | 83.0%+10.3pp |
| Annual return | 6.48% | 22.93%-16.4pp | 22.78%-16.3pp | 41.46%-35.0pp |
| Employer contribution / active EE | $3,484 | $4,214-17.3% | $3,574-2.5% | $4,869-28.4% |
| Participant deferral / active EE | $9,671 | $4,270+126.5% | $3,712+160.5% | $5,287+82.9% |
| Admin fee / account holder | $18,122 | $6,645+172.7% | $5,333+239.8% | $10,133+78.8% |