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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 | $68,533 | $199,109-65.6% | $173,730-60.6% | $154,746-55.7% |
| Participation rate | 85.7% | 82.8%+2.9pp | 79.6%+6.1pp | 80.7%+5.0pp |
| Annual return | 17.75% | 20.02%-2.3pp | 19.96%-2.2pp | 172.34%-154.6pp |
| Employer contribution / active EE | $3,271 | $5,311-38.4% | $4,577-28.5% | $4,379-25.3% |
| Participant deferral / active EE | $7,548 | $7,113+6.1% | $6,326+19.3% | $6,730+12.1% |
| Admin fee / account holder | $9,224 | $20,916-55.9% | $17,523-47.4% | $14,365-35.8% |