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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 | $53,512 | $86,949-38.5% | $102,460-47.8% | $80,959-33.9% |
| Participation rate | 78.0% | 72.4%+5.7pp | 76.5%+1.5pp | 67.7%+10.4pp |
| Annual return | 12.59% | 18.89%-6.3pp | 29.47%-16.9pp | 35.67%-23.1pp |
| Employer contribution / active EE | $2,869 | $2,370+21.1% | $3,025-5.2% | $2,757+4.1% |
| Participant deferral / active EE | $7,281 | $4,121+76.7% | $5,056+44.0% | $4,300+69.3% |
| Admin fee / account holder | $7,464 | $8,048-7.2% | $9,460-21.1% | $6,925+7.8% |