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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 | $82,349 | $86,940-5.3% | $102,434-19.6% | $80,935+1.7% |
| Participation rate | 73.8% | 72.4%+1.4pp | 76.5%-2.7pp | 67.7%+6.1pp |
| Annual return | 17.93% | 18.89%-1.0pp | 29.46%-11.5pp | 35.66%-17.7pp |
| Employer contribution / active EE | $7,570 | $2,370+219.5% | $3,023+150.4% | $2,757+174.6% |
| Participant deferral / active EE | $14,918 | $4,121+262.0% | $5,055+195.1% | $4,299+247.0% |
| Admin fee / account holder | $4,597 | $8,047-42.9% | $9,462-51.4% | $6,924-33.6% |