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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 | $76,382 | $138,386-44.8% | $184,260-58.5% | $80,935-5.6% |
| Participation rate | 74.4% | 83.9%-9.5pp | 86.8%-12.5pp | 67.7%+6.7pp |
| Annual return | 22.74% | 20.02%+2.7pp | 28.84%-6.1pp | 35.66%-12.9pp |
| Employer contribution / active EE | $3,297 | $4,851-32.0% | $6,427-48.7% | $2,757+19.6% |
| Participant deferral / active EE | $6,083 | $7,076-14.0% | $9,133-33.4% | $4,299+41.5% |
| Admin fee / account holder | $13,208 | $10,489+25.9% | $13,898-5.0% | $6,924+90.7% |