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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 | $85,204 | $149,446-43.0% | $256,809-66.8% | $94,015-9.4% |
| Participation rate | 92.0% | 85.3%+6.7pp | 88.5%+3.5pp | 70.8%+21.2pp |
| Annual return | 14.30% | 17.55%-3.2pp | 32.73%-18.4pp | 17.84%-3.5pp |
| Employer contribution / active EE | $3,208 | $4,596-30.2% | $7,263-55.8% | $2,790+15.0% |
| Participant deferral / active EE | $5,622 | $6,491-13.4% | $9,520-40.9% | $4,249+32.3% |
| Admin fee / account holder | $1,304 | $24,035-94.6% | $25,146-94.8% | $8,951-85.4% |