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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 | $66,589 | $81,504-18.3% | $102,437-35.0% | $80,959-17.7% |
| Participation rate | 97.6% | 66.9%+30.8pp | 74.5%+23.1pp | 67.7%+30.0pp |
| Annual return | 17.73% | 25.60%-7.9pp | 24.95%-7.2pp | 35.67%-17.9pp |
| Employer contribution / active EE | $1,639 | $3,104-47.2% | $3,871-57.7% | $2,757-40.6% |
| Participant deferral / active EE | $6,300 | $3,871+62.8% | $5,060+24.5% | $4,300+46.5% |
| Admin fee / account holder | $7,819 | $6,719+16.4% | $8,388-6.8% | $6,925+12.9% |