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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 | $65,465 | $60,349+8.5% | $74,184-11.8% | $62,881+4.1% |
| Participation rate | 84.6% | 72.7%+11.9pp | 76.6%+8.0pp | 69.3%+15.3pp |
| Annual return | 6.29% | 21.38%-15.1pp | 17.74%-11.4pp | 20.14%-13.8pp |
| Employer contribution / active EE | $1,719 | $1,680+2.3% | $2,370-27.5% | $2,281-24.6% |
| Participant deferral / active EE | $4,113 | $2,856+44.0% | $3,550+15.9% | $3,203+28.4% |
| Admin fee / account holder | $7,390 | $4,261+73.4% | $5,586+32.3% | $4,296+72.0% |