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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 | $71,006 | $86,949-18.3% | $102,460-30.7% | $80,959-12.3% |
| Participation rate | 82.4% | 72.4%+10.0pp | 76.5%+5.8pp | 67.7%+14.7pp |
| Annual return | 12.62% | 18.89%-6.3pp | 29.47%-16.8pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,970 | $2,370+25.3% | $3,025-1.8% | $2,757+7.7% |
| Participant deferral / active EE | $4,629 | $4,121+12.3% | $5,056-8.4% | $4,300+7.6% |
| Admin fee / account holder | $3,080 | $8,048-61.7% | $9,460-67.4% | $6,925-55.5% |