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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 | $97,147 | $61,660+57.6% | $80,022+21.4% | $64,181+51.4% |
| Participation rate | 74.3% | 71.7%+2.6pp | 75.8%-1.5pp | 69.6%+4.7pp |
| Annual return | 3.57% | -0.33%+3.9pp | 11.22%-7.7pp | 7.63%-4.1pp |
| Employer contribution / active EE | $2,878 | $1,810+59.0% | $2,468+16.6% | $2,381+20.9% |
| Participant deferral / active EE | $5,809 | $2,968+95.7% | $3,686+57.6% | $3,470+67.4% |
| Admin fee / account holder | $592 | $5,417-89.1% | $6,521-90.9% | $4,887-87.9% |