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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 | $59,805 | $95,762-37.5% | $379,746-84.3% | $79,852-25.1% |
| Participation rate | 83.0% | 74.0%+9.0pp | 78.4%+4.6pp | 69.6%+13.3pp |
| Annual return | 18.40% | 18.26%+0.1pp | 34.90%-16.5pp | 31.72%-13.3pp |
| Employer contribution / active EE | $3,938 | $2,695+46.1% | $3,540+11.2% | $2,471+59.3% |
| Participant deferral / active EE | $6,392 | $4,705+35.9% | $6,024+6.1% | $3,740+70.9% |
| Admin fee / account holder | $12,074 | $6,745+79.0% | $7,927+52.3% | $5,306+127.5% |