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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 | $125,444 | $79,557+57.7% | $118,746+5.6% | $70,126+78.9% |
| Participation rate | 73.2% | 71.4%+1.8pp | 78.3%-5.1pp | 69.5%+3.6pp |
| Annual return | 15.60% | 25.64%-10.0pp | 24.54%-8.9pp | 73.15%-57.5pp |
| Employer contribution / active EE | $2,951 | $2,861+3.1% | $4,193-29.6% | $2,343+26.0% |
| Participant deferral / active EE | $6,392 | $4,089+56.3% | $5,332+19.9% | $3,332+91.8% |
| Admin fee / account holder | $2,506 | $5,374-53.4% | $10,720-76.6% | $4,645-46.1% |