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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 | $89,478 | $69,444+28.8% | $92,985-3.8% | $87,485+2.3% |
| Participation rate | 78.9% | 63.3%+15.7pp | 69.5%+9.5pp | 68.9%+10.0pp |
| Annual return | 16.48% | 23.85%-7.4pp | 27.99%-11.5pp | 26.06%-9.6pp |
| Employer contribution / active EE | $2,855 | $1,917+48.9% | $2,662+7.3% | $2,596+10.0% |
| Participant deferral / active EE | $6,788 | $3,364+101.8% | $4,377+55.1% | $4,274+58.8% |
| Admin fee / account holder | $3,600 | $6,137-41.3% | $9,463-62.0% | $7,775-53.7% |