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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 | $74,860 | $114,712-34.7% | $173,730-56.9% | $87,485-14.4% |
| Participation rate | 80.5% | 73.0%+7.5pp | 79.6%+0.9pp | 68.9%+11.6pp |
| Annual return | 19.50% | 20.18%-0.7pp | 19.96%-0.5pp | 26.06%-6.6pp |
| Employer contribution / active EE | $3,834 | $2,904+32.0% | $4,577-16.2% | $2,596+47.7% |
| Participant deferral / active EE | $4,695 | $4,642+1.1% | $6,326-25.8% | $4,274+9.9% |
| Admin fee / account holder | $2,333 | $10,210-77.2% | $17,523-86.7% | $7,775-70.0% |