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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 | $68,815 | $97,550-29.5% | $120,344-42.8% | $87,485-21.3% |
| Participation rate | 84.5% | 72.8%+11.7pp | 76.7%+7.8pp | 68.9%+15.6pp |
| Annual return | 16.50% | 18.41%-1.9pp | 20.30%-3.8pp | 26.06%-9.6pp |
| Employer contribution / active EE | $2,429 | $2,291+6.0% | $3,020-19.6% | $2,596-6.4% |
| Participant deferral / active EE | $4,536 | $4,230+7.2% | $5,135-11.7% | $4,274+6.1% |
| Admin fee / account holder | $15,593 | $9,543+63.4% | $12,742+22.4% | $7,775+100.6% |