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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 | $81,504-21.8% | $102,437-37.8% | $80,959-21.3% |
| Participation rate | 72.0% | 66.9%+5.1pp | 74.5%-2.5pp | 67.7%+4.3pp |
| Annual return | 18.46% | 25.60%-7.1pp | 24.95%-6.5pp | 35.67%-17.2pp |
| Employer contribution / active EE | $3,374 | $3,104+8.7% | $3,871-12.8% | $2,757+22.4% |
| Participant deferral / active EE | $7,810 | $3,871+101.8% | $5,060+54.4% | $4,300+81.6% |
| Admin fee / account holder | $9,202 | $6,719+36.9% | $8,388+9.7% | $6,925+32.9% |