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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 | $76,728 | $81,457-5.8% | $103,378-25.8% | $80,911-5.2% |
| Participation rate | 87.8% | 66.8%+21.0pp | 74.5%+13.3pp | 67.6%+20.2pp |
| Annual return | 13.24% | 25.58%-12.3pp | 24.91%-11.7pp | 35.63%-22.4pp |
| Employer contribution / active EE | $5,067 | $3,107+63.1% | $3,870+30.9% | $2,756+83.9% |
| Participant deferral / active EE | $4,534 | $3,871+17.1% | $5,058-10.4% | $4,297+5.5% |
| Admin fee / account holder | $3,125 | $6,717-53.5% | $8,401-62.8% | $6,935-54.9% |