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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 | $74,973 | $73,787+1.6% | $98,716-24.1% | $82,448-9.1% |
| Participation rate | 70.3% | 61.4%+8.9pp | 69.3%+1.0pp | 68.1%+2.2pp |
| Annual return | 15.48% | 18.57%-3.1pp | 31.81%-16.3pp | 41.64%-26.2pp |
| Employer contribution / active EE | $2,317 | $1,511+53.3% | $2,279+1.7% | $2,551-9.2% |
| Participant deferral / active EE | $4,934 | $3,081+60.1% | $4,048+21.9% | $4,139+19.2% |
| Admin fee / account holder | $8,963 | $6,500+37.9% | $8,703+3.0% | $7,234+23.9% |