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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 | $69,462 | $63,773+8.9% | $81,286-14.5% | $80,925-14.2% |
| Participation rate | 87.3% | 63.9%+23.4pp | 69.5%+17.8pp | 67.7%+19.6pp |
| Annual return | 16.68% | 16.37%+0.3pp | 24.80%-8.1pp | 35.65%-19.0pp |
| Employer contribution / active EE | $2,962 | $1,979+49.6% | $2,463+20.3% | $2,756+7.5% |
| Participant deferral / active EE | $5,871 | $3,093+89.8% | $3,883+51.2% | $4,299+36.6% |
| Admin fee / account holder | $657 | $5,682-88.4% | $5,764-88.6% | $6,940-90.5% |