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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 | $66,956 | $56,894+17.7% | $84,753-21.0% | $62,881+6.5% |
| Participation rate | 86.0% | 68.5%+17.5pp | 76.6%+9.5pp | 69.3%+16.7pp |
| Annual return | 8.20% | 6.30%+1.9pp | 22.78%-14.6pp | 20.14%-11.9pp |
| Employer contribution / active EE | $4,735 | $2,400+97.3% | $3,574+32.5% | $2,281+107.6% |
| Participant deferral / active EE | $3,948 | $2,709+45.7% | $3,712+6.4% | $3,203+23.3% |
| Admin fee / account holder | $5,387 | $3,581+50.4% | $5,333+1.0% | $4,296+25.4% |