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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 | $74,481 | $81,487-8.6% | $102,412-27.3% | $80,935-8.0% |
| Participation rate | 96.2% | 66.8%+29.3pp | 74.5%+21.7pp | 67.7%+28.5pp |
| Annual return | 11.40% | 25.60%-14.2pp | 24.94%-13.5pp | 35.66%-24.3pp |
| Employer contribution / active EE | $2,877 | $3,103-7.3% | $3,870-25.6% | $2,757+4.4% |
| Participant deferral / active EE | $3,586 | $3,871-7.4% | $5,060-29.1% | $4,299-16.6% |
| Admin fee / account holder | $7,074 | $6,717+5.3% | $8,388-15.7% | $6,924+2.2% |