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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 | $93,448 | $81,457+14.7% | $103,378-9.6% | $80,911+15.5% |
| Participation rate | 77.4% | 66.8%+10.5pp | 74.5%+2.8pp | 67.6%+9.7pp |
| Annual return | 12.85% | 25.58%-12.7pp | 24.91%-12.1pp | 35.63%-22.8pp |
| Employer contribution / active EE | $2,609 | $3,107-16.0% | $3,870-32.6% | $2,756-5.3% |
| Participant deferral / active EE | $7,512 | $3,871+94.1% | $5,058+48.5% | $4,297+74.8% |
| Admin fee / account holder | $2,804 | $6,717-58.3% | $8,401-66.6% | $6,935-59.6% |