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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 | $102,609-40.7% | $98,090-38.0% | $138,895-56.2% |
| Participation rate | 87.5% | 82.8%+4.7pp | 81.5%+6.0pp | 79.9%+7.6pp |
| Annual return | 15.75% | 36.44%-20.7pp | 37.05%-21.3pp | 145.39%-129.6pp |
| Employer contribution / active EE | $4,490 | $3,867+16.1% | $3,606+24.5% | $4,194+7.1% |
| Participant deferral / active EE | $6,653 | $8,167-18.5% | $7,845-15.2% | $6,396+4.0% |
| Admin fee / account holder | $9,750 | $11,434-14.7% | $11,815-17.5% | $12,562-22.4% |