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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 | $70,983 | $86,940-18.4% | $102,434-30.7% | $80,935-12.3% |
| Participation rate | 84.2% | 72.4%+11.8pp | 76.5%+7.7pp | 67.7%+16.5pp |
| Annual return | 15.14% | 18.89%-3.7pp | 29.46%-14.3pp | 35.66%-20.5pp |
| Employer contribution / active EE | $2,562 | $2,370+8.1% | $3,023-15.2% | $2,757-7.1% |
| Participant deferral / active EE | $4,815 | $4,121+16.8% | $5,055-4.7% | $4,299+12.0% |
| Admin fee / account holder | $7,129 | $8,047-11.4% | $9,462-24.7% | $6,924+3.0% |