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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 | $60,859 | $79,955-23.9% | $98,461-38.2% | $75,173-19.0% |
| Participation rate | 98.4% | 70.4%+28.1pp | 75.2%+23.3pp | 67.2%+31.2pp |
| Annual return | 15.06% | 19.75%-4.7pp | 21.17%-6.1pp | 160.72%-145.7pp |
| Employer contribution / active EE | $2,833 | $2,264+25.1% | $3,049-7.1% | $2,671+6.1% |
| Participant deferral / active EE | $5,415 | $3,752+44.3% | $4,738+14.3% | $4,126+31.2% |
| Admin fee / account holder | $966 | $6,841-85.9% | $8,961-89.2% | $5,651-82.9% |