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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 | $60,824 | $100,970-39.8% | $96,576-37.0% | $137,256-55.7% |
| Participation rate | 87.5% | 82.6%+4.9pp | 81.4%+6.1pp | 80.0%+7.5pp |
| Annual return | 15.75% | 38.16%-22.4pp | 38.47%-22.7pp | 220.34%-204.6pp |
| Employer contribution / active EE | $4,490 | $3,809+17.9% | $3,553+26.4% | $4,156+8.0% |
| Participant deferral / active EE | $6,653 | $8,286-19.7% | $7,956-16.4% | $6,407+3.8% |
| Admin fee / account holder | $9,750 | $11,312-13.8% | $11,381-14.3% | $12,270-20.5% |