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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 | $75,154 | $99,345-24.4% | $84,753-11.3% | $273,972-72.6% |
| Participation rate | 87.5% | 80.7%+6.8pp | 76.6%+10.9pp | 83.0%+4.5pp |
| Annual return | 7.21% | 22.93%-15.7pp | 22.78%-15.6pp | 41.46%-34.2pp |
| Employer contribution / active EE | $6,250 | $4,214+48.3% | $3,574+74.9% | $4,869+28.4% |
| Participant deferral / active EE | $5,883 | $4,270+37.8% | $3,712+58.5% | $5,287+11.3% |
| Admin fee / account holder | $3,400 | $6,645-48.8% | $5,333-36.2% | $10,133-66.4% |