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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 | $76,834-2.4% | $108,359-30.8% | $87,485-14.3% |
| Participation rate | 70.3% | 61.7%+8.5pp | 70.1%+0.1pp | 68.9%+1.3pp |
| Annual return | 15.48% | 19.09%-3.6pp | 36.89%-21.4pp | 26.06%-10.6pp |
| Employer contribution / active EE | $2,317 | $1,556+48.9% | $2,399-3.4% | $2,596-10.7% |
| Participant deferral / active EE | $4,934 | $3,100+59.1% | $4,137+19.3% | $4,274+15.4% |
| Admin fee / account holder | $8,963 | $6,537+37.1% | $9,741-8.0% | $7,775+15.3% |