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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 | $65,442 | $106,749-38.7% | $145,433-55.0% | $82,448-20.6% |
| Participation rate | 87.2% | 75.6%+11.5pp | 82.1%+5.1pp | 68.1%+19.1pp |
| Annual return | 19.10% | 27.59%-8.5pp | 66.58%-47.5pp | 41.64%-22.5pp |
| Employer contribution / active EE | $2,881 | $3,444-16.4% | $4,554-36.8% | $2,551+12.9% |
| Participant deferral / active EE | $5,991 | $6,519-8.1% | $7,897-24.1% | $4,139+44.7% |
| Admin fee / account holder | $7,693 | $8,390-8.3% | $13,129-41.4% | $7,234+6.3% |