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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 | $58,559 | $56,894+2.9% | $84,753-30.9% | $62,881-6.9% |
| Participation rate | 78.7% | 68.5%+10.2pp | 76.6%+2.1pp | 69.3%+9.4pp |
| Annual return | 4.73% | 6.30%-1.6pp | 22.78%-18.1pp | 20.14%-15.4pp |
| Employer contribution / active EE | $7,660 | $2,400+219.2% | $3,574+114.3% | $2,281+235.8% |
| Participant deferral / active EE | $3,244 | $2,709+19.7% | $3,712-12.6% | $3,203+1.3% |
| Admin fee / account holder | $2,795 | $3,581-21.9% | $5,333-47.6% | $4,296-34.9% |