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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 | $122,088 | $181,896-32.9% | $156,551-22.0% | $273,972-55.4% |
| Participation rate | 95.2% | 88.4%+6.9pp | 84.0%+11.2pp | 83.0%+12.2pp |
| Annual return | 8.08% | 30.74%-22.7pp | 32.23%-24.1pp | 41.46%-33.4pp |
| Employer contribution / active EE | $2,828 | $6,248-54.7% | $5,501-48.6% | $4,869-41.9% |
| Participant deferral / active EE | $6,670 | $5,550+20.2% | $4,871+36.9% | $5,287+26.1% |
| Admin fee / account holder | $2,746 | $15,560-82.4% | $13,028-78.9% | $10,133-72.9% |