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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 | $74,641 | $77,574-3.8% | $108,753-31.4% | $86,983-14.2% |
| Participation rate | 72.5% | 62.3%+10.2pp | 71.1%+1.4pp | 69.5%+3.0pp |
| Annual return | 20.14% | 18.42%+1.7pp | 37.47%-17.3pp | 25.83%-5.7pp |
| Employer contribution / active EE | $2,797 | $1,611+73.6% | $2,427+15.3% | $2,584+8.2% |
| Participant deferral / active EE | $7,513 | $3,128+140.2% | $4,115+82.6% | $4,194+79.1% |
| Admin fee / account holder | $1,687 | $6,529-74.2% | $10,320-83.7% | $7,856-78.5% |