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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 | $65,114 | $81,504-20.1% | $102,437-36.4% | $80,959-19.6% |
| Participation rate | 70.0% | 66.9%+3.1pp | 74.5%-4.5pp | 67.7%+2.3pp |
| Annual return | 13.42% | 25.60%-12.2pp | 24.95%-11.5pp | 35.67%-22.3pp |
| Employer contribution / active EE | $2,602 | $3,104-16.2% | $3,871-32.8% | $2,757-5.6% |
| Participant deferral / active EE | $4,611 | $3,871+19.1% | $5,060-8.9% | $4,300+7.2% |
| Admin fee / account holder | $3,548 | $6,719-47.2% | $8,388-57.7% | $6,925-48.8% |