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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 | $77,633 | $81,476-4.7% | $102,383-24.2% | $80,925-4.1% |
| Participation rate | 87.5% | 66.8%+20.7pp | 74.5%+13.0pp | 67.7%+19.8pp |
| Annual return | 14.42% | 25.59%-11.2pp | 24.94%-10.5pp | 35.65%-21.2pp |
| Employer contribution / active EE | $3,605 | $3,105+16.1% | $3,870-6.9% | $2,756+30.8% |
| Participant deferral / active EE | $1,846 | $3,871-52.3% | $5,060-63.5% | $4,299-57.0% |
| Admin fee / account holder | $6,504 | $6,717-3.2% | $8,391-22.5% | $6,940-6.3% |