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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 | $69,722 | $86,940-19.8% | $102,434-31.9% | $80,935-13.9% |
| Participation rate | 80.6% | 72.4%+8.3pp | 76.5%+4.1pp | 67.7%+13.0pp |
| Annual return | 12.20% | 18.89%-6.7pp | 29.46%-17.3pp | 35.66%-23.5pp |
| Employer contribution / active EE | $2,476 | $2,370+4.5% | $3,023-18.1% | $2,757-10.2% |
| Participant deferral / active EE | $3,372 | $4,121-18.2% | $5,055-33.3% | $4,299-21.6% |
| Admin fee / account holder | $11,974 | $8,047+48.8% | $9,462+26.5% | $6,924+72.9% |