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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 | $72,454 | $86,938-16.7% | $102,423-29.3% | $80,925-10.5% |
| Participation rate | 95.1% | 72.4%+22.7pp | 76.5%+18.6pp | 67.7%+27.5pp |
| Annual return | 12.30% | 18.89%-6.6pp | 29.42%-17.1pp | 35.65%-23.4pp |
| Employer contribution / active EE | $8,436 | $2,369+256.1% | $3,023+179.1% | $2,756+206.1% |
| Participant deferral / active EE | $7,059 | $4,120+71.3% | $5,054+39.7% | $4,299+64.2% |
| Admin fee / account holder | $995 | $8,053-87.6% | $9,455-89.5% | $6,940-85.7% |