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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 | $92,811-16.2% | $238,191-67.4% | $86,983-10.6% |
| Participation rate | 85.4% | 69.3%+16.0pp | 77.1%+8.3pp | 69.5%+15.8pp |
| Annual return | 17.16% | 16.16%+1.0pp | 13.02%+4.1pp | 25.83%-8.7pp |
| Employer contribution / active EE | $3,631 | $2,728+33.1% | $5,082-28.6% | $2,584+40.5% |
| Participant deferral / active EE | $6,143 | $4,479+37.2% | $6,726-8.7% | $4,194+46.5% |
| Admin fee / account holder | $3,641 | $9,177-60.3% | $34,582-89.5% | $7,856-53.7% |