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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 | $79,159 | $43,075+83.8% | $74,577+6.1% | $62,881+25.9% |
| Participation rate | 78.6% | 58.1%+20.5pp | 68.1%+10.5pp | 69.3%+9.3pp |
| Annual return | 6.29% | 17.50%-11.2pp | 20.47%-14.2pp | 20.14%-13.9pp |
| Employer contribution / active EE | $1,809 | $1,498+20.8% | $2,525-28.4% | $2,281-20.7% |
| Participant deferral / active EE | $3,760 | $2,389+57.3% | $3,458+8.7% | $3,203+17.4% |
| Admin fee / account holder | $4,484 | $2,840+57.9% | $4,138+8.4% | $4,296+4.4% |