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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 | $66,086 | $86,050-23.2% | $189,758-65.2% | $94,015-29.7% |
| Participation rate | 77.1% | 68.9%+8.2pp | 79.8%-2.7pp | 70.8%+6.3pp |
| Annual return | 21.96% | 17.77%+4.2pp | 52.62%-30.7pp | 17.84%+4.1pp |
| Employer contribution / active EE | $3,070 | $2,819+8.9% | $4,767-35.6% | $2,790+10.0% |
| Participant deferral / active EE | $4,798 | $3,349+43.3% | $5,856-18.1% | $4,249+12.9% |
| Admin fee / account holder | $10,743 | $6,627+62.1% | $20,388-47.3% | $8,951+20.0% |