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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 | $76,106 | $88,370-13.9% | $112,977-32.6% | $79,856-4.7% |
| Participation rate | 84.0% | 76.8%+7.2pp | 82.6%+1.4pp | 69.6%+14.4pp |
| Annual return | 25.73% | 23.16%+2.6pp | 24.24%+1.5pp | 31.71%-6.0pp |
| Employer contribution / active EE | $2,729 | $3,398-19.7% | $4,255-35.9% | $2,471+10.4% |
| Participant deferral / active EE | $5,110 | $4,536+12.7% | $5,836-12.4% | $3,741+36.6% |
| Admin fee / account holder | $6,489 | $5,750+12.8% | $6,294+3.1% | $5,306+22.3% |