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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 | $87,687 | $60,349+45.3% | $74,184+18.2% | $62,881+39.4% |
| Participation rate | 75.9% | 72.7%+3.1pp | 76.6%-0.8pp | 69.3%+6.6pp |
| Annual return | 6.96% | 21.38%-14.4pp | 17.74%-10.8pp | 20.14%-13.2pp |
| Employer contribution / active EE | $3,156 | $1,680+87.8% | $2,370+33.1% | $2,281+38.4% |
| Participant deferral / active EE | $3,872 | $2,856+35.6% | $3,550+9.1% | $3,203+20.9% |
| Admin fee / account holder | $9,422 | $4,261+121.1% | $5,586+68.7% | $4,296+119.3% |