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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 | $69,658 | $86,922-19.9% | $102,438-32.0% | $80,874-13.9% |
| Participation rate | 76.2% | 72.4%+3.8pp | 76.5%-0.3pp | 67.6%+8.5pp |
| Annual return | 20.38% | 18.90%+1.5pp | 29.37%-9.0pp | 35.62%-15.2pp |
| Employer contribution / active EE | $2,183 | $2,369-7.9% | $3,024-27.8% | $2,756-20.8% |
| Participant deferral / active EE | $4,090 | $4,119-0.7% | $5,054-19.1% | $4,297-4.8% |
| Admin fee / account holder | $2,325 | $8,050-71.1% | $9,448-75.4% | $6,935-66.5% |