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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 | $68,963 | $81,487-15.4% | $102,412-32.7% | $80,935-14.8% |
| Participation rate | 96.3% | 66.8%+29.5pp | 74.5%+21.8pp | 67.7%+28.6pp |
| Annual return | 17.78% | 25.60%-7.8pp | 24.94%-7.2pp | 35.66%-17.9pp |
| Employer contribution / active EE | $3,050 | $3,103-1.7% | $3,870-21.2% | $2,757+10.6% |
| Participant deferral / active EE | $7,859 | $3,871+103.0% | $5,060+55.3% | $4,299+82.8% |
| Admin fee / account holder | $11,882 | $6,717+76.9% | $8,388+41.7% | $6,924+71.6% |