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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 | $77,460-16.4% | $100,378-35.5% | $80,925-19.9% |
| Participation rate | 92.0% | 76.9%+15.1pp | 81.5%+10.5pp | 67.7%+24.3pp |
| Annual return | 16.50% | 37.24%-20.7pp | 49.41%-32.9pp | 35.65%-19.1pp |
| Employer contribution / active EE | $4,042 | $2,801+44.3% | $3,942+2.5% | $2,756+46.7% |
| Participant deferral / active EE | $9,274 | $6,818+36.0% | $8,087+14.7% | $4,299+115.7% |
| Admin fee / account holder | $12,927 | $5,887+119.6% | $7,899+63.7% | $6,940+86.3% |