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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 | $77,734 | $96,289-19.3% | $213,469-63.6% | $87,485-11.1% |
| Participation rate | 85.4% | 69.6%+15.8pp | 77.1%+8.2pp | 68.9%+16.4pp |
| Annual return | 17.16% | 17.78%-0.6pp | 20.58%-3.4pp | 26.06%-8.9pp |
| Employer contribution / active EE | $3,631 | $3,035+19.6% | $4,994-27.3% | $2,596+39.8% |
| Participant deferral / active EE | $6,143 | $4,750+29.3% | $6,841-10.2% | $4,274+43.7% |
| Admin fee / account holder | $3,641 | $9,670-62.4% | $27,141-86.6% | $7,775-53.2% |