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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 | $69,588 | $78,197-11.0% | $98,090-29.1% | $82,637-15.8% |
| Participation rate | 84.6% | 77.5%+7.1pp | 81.5%+3.1pp | 68.1%+16.6pp |
| Annual return | 18.37% | 40.25%-21.9pp | 37.05%-18.7pp | 53.51%-35.1pp |
| Employer contribution / active EE | $3,615 | $2,605+38.8% | $3,606+0.3% | $2,552+41.7% |
| Participant deferral / active EE | $7,026 | $6,636+5.9% | $7,845-10.4% | $4,126+70.3% |
| Admin fee / account holder | $3,411 | $14,832-77.0% | $11,815-71.1% | $7,339-53.5% |