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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 | $63,609 | $81,504-22.0% | $102,437-37.9% | $80,959-21.4% |
| Participation rate | 77.8% | 66.9%+10.9pp | 74.5%+3.3pp | 67.7%+10.1pp |
| Annual return | 10.82% | 25.60%-14.8pp | 24.95%-14.1pp | 35.67%-24.8pp |
| Employer contribution / active EE | $2,222 | $3,104-28.4% | $3,871-42.6% | $2,757-19.4% |
| Participant deferral / active EE | $7,264 | $3,871+87.7% | $5,060+43.6% | $4,300+68.9% |
| Admin fee / account holder | $8,143 | $6,719+21.2% | $8,388-2.9% | $6,925+17.6% |