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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 | $76,870 | $88,370-13.0% | $112,977-32.0% | $79,852-3.7% |
| Participation rate | 77.6% | 76.8%+0.8pp | 82.6%-5.0pp | 69.6%+7.9pp |
| Annual return | 16.04% | 23.16%-7.1pp | 24.24%-8.2pp | 31.72%-15.7pp |
| Employer contribution / active EE | $3,444 | $3,398+1.4% | $4,255-19.1% | $2,471+39.4% |
| Participant deferral / active EE | $9,186 | $4,536+102.5% | $5,836+57.4% | $3,740+145.6% |
| Admin fee / account holder | $2,637 | $5,750-54.1% | $6,294-58.1% | $5,306-50.3% |