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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 | $94,822 | $56,894+66.7% | $84,753+11.9% | $62,881+50.8% |
| Participation rate | 77.4% | 68.5%+8.9pp | 76.6%+0.8pp | 69.3%+8.1pp |
| Annual return | 5.92% | 6.30%-0.4pp | 22.78%-16.9pp | 20.14%-14.2pp |
| Employer contribution / active EE | $2,056 | $2,400-14.3% | $3,574-42.5% | $2,281-9.9% |
| Participant deferral / active EE | $3,904 | $2,709+44.1% | $3,712+5.2% | $3,203+21.9% |
| Admin fee / account holder | $3,578 | $3,581-0.1% | $5,333-32.9% | $4,296-16.7% |