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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 | $63,940 | $106,524-40.0% | $152,301-58.0% | $87,485-26.9% |
| Participation rate | 86.8% | 75.8%+11.1pp | 82.4%+4.4pp | 68.9%+17.9pp |
| Annual return | 17.98% | 26.89%-8.9pp | 80.50%-62.5pp | 26.06%-8.1pp |
| Employer contribution / active EE | $3,702 | $3,371+9.8% | $4,624-20.0% | $2,596+42.6% |
| Participant deferral / active EE | $8,830 | $6,525+35.3% | $8,004+10.3% | $4,274+106.6% |
| Admin fee / account holder | $3,528 | $8,287-57.4% | $14,398-75.5% | $7,775-54.6% |