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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 | $58,329 | $67,602-13.7% | $82,312-29.1% | $70,126-16.8% |
| Participation rate | 80.6% | 72.8%+7.8pp | 76.9%+3.7pp | 69.5%+11.0pp |
| Annual return | 19.68% | 21.57%-1.9pp | 25.88%-6.2pp | 73.15%-53.5pp |
| Employer contribution / active EE | $2,616 | $1,755+49.1% | $2,428+7.7% | $2,343+11.7% |
| Participant deferral / active EE | $4,994 | $2,987+67.2% | $3,706+34.7% | $3,332+49.9% |
| Admin fee / account holder | $746 | $4,512-83.5% | $5,608-86.7% | $4,645-83.9% |