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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 | $50,861 | $153,769-66.9% | $133,975-62.0% | $273,972-81.4% |
| Participation rate | 93.8% | 88.4%+5.4pp | 87.1%+6.7pp | 83.0%+10.7pp |
| Annual return | 7.42% | 36.51%-29.1pp | 29.29%-21.9pp | 41.46%-34.0pp |
| Employer contribution / active EE | $3,505 | $6,029-41.9% | $5,211-32.7% | $4,869-28.0% |
| Participant deferral / active EE | $6,230 | $6,958-10.5% | $6,282-0.8% | $5,287+17.8% |
| Admin fee / account holder | $792 | $11,765-93.3% | $9,324-91.5% | $10,133-92.2% |