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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 | $58,018 | $81,446-28.8% | $103,374-43.9% | $80,874-28.3% |
| Participation rate | 71.4% | 66.9%+4.6pp | 74.5%-3.1pp | 67.6%+3.8pp |
| Annual return | 17.94% | 25.57%-7.6pp | 24.89%-6.9pp | 35.62%-17.7pp |
| Employer contribution / active EE | $4,630 | $3,107+49.0% | $3,869+19.7% | $2,756+68.0% |
| Participant deferral / active EE | $7,008 | $3,870+81.1% | $5,058+38.6% | $4,297+63.1% |
| Admin fee / account holder | $4,045 | $6,715-39.8% | $8,394-51.8% | $6,935-41.7% |