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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 | $75,045 | $63,773+17.7% | $81,286-7.7% | $80,925-7.3% |
| Participation rate | 81.0% | 63.9%+17.0pp | 69.5%+11.4pp | 67.7%+13.3pp |
| Annual return | 14.36% | 16.37%-2.0pp | 24.80%-10.4pp | 35.65%-21.3pp |
| Employer contribution / active EE | $4,004 | $1,979+102.3% | $2,463+62.6% | $2,756+45.3% |
| Participant deferral / active EE | $8,617 | $3,093+178.6% | $3,883+121.9% | $4,299+100.5% |
| Admin fee / account holder | $14,018 | $5,682+146.7% | $5,764+143.2% | $6,940+102.0% |