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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 | $68,859 | $81,457-15.5% | $103,378-33.4% | $80,911-14.9% |
| Participation rate | 84.8% | 66.8%+17.9pp | 74.5%+10.3pp | 67.6%+17.1pp |
| Annual return | 11.55% | 25.58%-14.0pp | 24.91%-13.4pp | 35.63%-24.1pp |
| Employer contribution / active EE | $9,831 | $3,107+216.4% | $3,870+154.0% | $2,756+256.7% |
| Participant deferral / active EE | $4,146 | $3,871+7.1% | $5,058-18.0% | $4,297-3.5% |
| Admin fee / account holder | $7,332 | $6,717+9.2% | $8,401-12.7% | $6,935+5.7% |