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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 | $71,156 | $86,938-18.2% | $102,423-30.5% | $80,925-12.1% |
| Participation rate | 87.2% | 72.4%+14.8pp | 76.5%+10.7pp | 67.7%+19.5pp |
| Annual return | 12.54% | 18.89%-6.3pp | 29.42%-16.9pp | 35.65%-23.1pp |
| Employer contribution / active EE | $2,714 | $2,369+14.5% | $3,023-10.2% | $2,756-1.5% |
| Participant deferral / active EE | $8,924 | $4,120+116.6% | $5,054+76.6% | $4,299+107.6% |
| Admin fee / account holder | $13,314 | $8,053+65.3% | $9,455+40.8% | $6,940+91.8% |