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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 | $73,983 | $139,421-46.9% | $239,577-69.1% | $116,462-36.5% |
| Participation rate | 86.7% | 75.0%+11.7pp | 82.1%+4.6pp | 74.7%+12.0pp |
| Annual return | 16.06% | 15.58%+0.5pp | -0.70%+16.8pp | 15.65%+0.4pp |
| Employer contribution / active EE | $5,830 | $4,487+29.9% | $7,232-19.4% | $3,231+80.4% |
| Participant deferral / active EE | $5,489 | $4,296+27.8% | $5,676-3.3% | $3,836+43.1% |
| Admin fee / account holder | $896 | $21,515-95.8% | $19,315-95.4% | $12,754-93.0% |