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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 | $68,691 | $138,393-50.4% | $184,256-62.7% | $80,959-15.2% |
| Participation rate | 76.8% | 83.9%-7.1pp | 86.8%-10.0pp | 67.7%+9.1pp |
| Annual return | 23.00% | 20.01%+3.0pp | 28.85%-5.8pp | 35.67%-12.7pp |
| Employer contribution / active EE | $4,074 | $4,847-15.9% | $6,427-36.6% | $2,757+47.8% |
| Participant deferral / active EE | $13,554 | $7,076+91.5% | $9,133+48.4% | $4,300+215.2% |
| Admin fee / account holder | $4,567 | $10,489-56.5% | $13,899-67.1% | $6,925-34.1% |