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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 | $63,698 | $81,446-21.8% | $103,374-38.4% | $80,874-21.2% |
| Participation rate | 72.0% | 66.9%+5.1pp | 74.5%-2.5pp | 67.6%+4.4pp |
| Annual return | 18.46% | 25.57%-7.1pp | 24.89%-6.4pp | 35.62%-17.2pp |
| Employer contribution / active EE | $3,374 | $3,107+8.6% | $3,869-12.8% | $2,756+22.4% |
| Participant deferral / active EE | $7,810 | $3,870+101.8% | $5,058+54.4% | $4,297+81.8% |
| Admin fee / account holder | $9,202 | $6,715+37.0% | $8,394+9.6% | $6,935+32.7% |