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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 | $56,151 | $86,938-35.4% | $102,423-45.2% | $80,925-30.6% |
| Participation rate | 81.5% | 72.4%+9.1pp | 76.5%+5.0pp | 67.7%+13.9pp |
| Annual return | 24.55% | 18.89%+5.7pp | 29.42%-4.9pp | 35.65%-11.1pp |
| Employer contribution / active EE | $3,040 | $2,369+28.3% | $3,023+0.6% | $2,756+10.3% |
| Participant deferral / active EE | $9,451 | $4,120+129.4% | $5,054+87.0% | $4,299+119.8% |
| Admin fee / account holder | $4,454 | $8,053-44.7% | $9,455-52.9% | $6,940-35.8% |