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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 | $66,918 | $67,602-1.0% | $82,312-18.7% | $70,126-4.6% |
| Participation rate | 85.1% | 72.8%+12.3pp | 76.9%+8.2pp | 69.5%+15.5pp |
| Annual return | 15.16% | 21.57%-6.4pp | 25.88%-10.7pp | 73.15%-58.0pp |
| Employer contribution / active EE | $3,581 | $1,755+104.0% | $2,428+47.4% | $2,343+52.9% |
| Participant deferral / active EE | $5,051 | $2,987+69.1% | $3,706+36.3% | $3,332+51.6% |
| Admin fee / account holder | $2,920 | $4,512-35.3% | $5,608-47.9% | $4,645-37.1% |