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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 | $56,346 | $76,371-26.2% | $93,621-39.8% | $72,975-22.8% |
| Participation rate | 89.2% | 71.8%+17.4pp | 75.8%+13.4pp | 69.5%+19.7pp |
| Annual return | 23.08% | 25.82%-2.7pp | 32.76%-9.7pp | 81.01%-57.9pp |
| Employer contribution / active EE | $2,419 | $2,276+6.3% | $2,719-11.0% | $2,440-0.9% |
| Participant deferral / active EE | $7,453 | $3,538+110.6% | $4,070+83.1% | $3,608+106.6% |
| Admin fee / account holder | $6,984 | $6,839+2.1% | $7,890-11.5% | $5,124+36.3% |