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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 | $64,462+68.8% | $81,482+33.6% | $80,911+34.5% |
| Participation rate | 75.0% | 63.9%+11.1pp | 69.5%+5.5pp | 67.6%+7.4pp |
| Annual return | 12.99% | 16.35%-3.4pp | 24.79%-11.8pp | 35.63%-22.6pp |
| Employer contribution / active EE | $2,409 | $1,979+21.8% | $2,463-2.2% | $2,756-12.6% |
| Participant deferral / active EE | $6,923 | $3,094+123.7% | $3,885+78.2% | $4,297+61.1% |
| Admin fee / account holder | $1,158 | $5,678-79.6% | $5,761-79.9% | $6,935-83.3% |