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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 | $108,821 | $63,845+70.4% | $81,370+33.7% | $80,959+34.4% |
| Participation rate | 75.0% | 63.9%+11.1pp | 69.5%+5.5pp | 67.7%+7.3pp |
| Annual return | 12.99% | 16.37%-3.4pp | 24.85%-11.9pp | 35.67%-22.7pp |
| Employer contribution / active EE | $2,409 | $1,980+21.7% | $2,464-2.2% | $2,757-12.6% |
| Participant deferral / active EE | $6,923 | $3,093+123.8% | $3,885+78.2% | $4,300+61.0% |
| Admin fee / account holder | $1,158 | $5,688-79.6% | $5,749-79.9% | $6,925-83.3% |