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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 | $68,190 | $61,660+10.6% | $80,022-14.8% | $64,173+6.3% |
| Participation rate | 93.9% | 71.7%+22.2pp | 75.8%+18.1pp | 69.6%+24.4pp |
| Annual return | 9.99% | -0.33%+10.3pp | 11.22%-1.2pp | 7.63%+2.4pp |
| Employer contribution / active EE | $1,295 | $1,810-28.5% | $2,468-47.5% | $2,381-45.6% |
| Participant deferral / active EE | $3,427 | $2,968+15.5% | $3,686-7.0% | $3,470-1.2% |
| Admin fee / account holder | $6,912 | $5,417+27.6% | $6,521+6.0% | $4,887+41.4% |