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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 | $77,579 | $86,940-10.8% | $102,434-24.3% | $80,935-4.1% |
| Participation rate | 79.3% | 72.4%+6.9pp | 76.5%+2.8pp | 67.7%+11.6pp |
| Annual return | 10.45% | 18.89%-8.4pp | 29.46%-19.0pp | 35.66%-25.2pp |
| Employer contribution / active EE | $3,347 | $2,370+41.2% | $3,023+10.7% | $2,757+21.4% |
| Participant deferral / active EE | $5,354 | $4,121+29.9% | $5,055+5.9% | $4,299+24.5% |
| Admin fee / account holder | $3,074 | $8,047-61.8% | $9,462-67.5% | $6,924-55.6% |