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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 | $64,791 | $77,472-16.4% | $100,415-35.5% | $80,959-20.0% |
| Participation rate | 92.0% | 76.9%+15.1pp | 81.5%+10.5pp | 67.7%+24.3pp |
| Annual return | 16.50% | 37.26%-20.8pp | 49.47%-33.0pp | 35.67%-19.2pp |
| Employer contribution / active EE | $4,042 | $2,800+44.4% | $3,943+2.5% | $2,757+46.6% |
| Participant deferral / active EE | $9,274 | $6,818+36.0% | $8,091+14.6% | $4,300+115.6% |
| Admin fee / account holder | $12,927 | $5,885+119.7% | $7,906+63.5% | $6,925+86.7% |