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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 | $73,808 | $67,602+9.2% | $82,312-10.3% | $70,126+5.3% |
| Participation rate | 88.9% | 72.8%+16.1pp | 76.9%+12.0pp | 69.5%+19.3pp |
| Annual return | 15.74% | 21.57%-5.8pp | 25.88%-10.1pp | 73.15%-57.4pp |
| Employer contribution / active EE | $2,851 | $1,755+62.4% | $2,428+17.4% | $2,343+21.7% |
| Participant deferral / active EE | $6,286 | $2,987+110.4% | $3,706+69.6% | $3,332+88.7% |
| Admin fee / account holder | $5,708 | $4,512+26.5% | $5,608+1.8% | $4,645+22.9% |