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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 | $65,267 | $86,919-24.9% | $102,457-36.3% | $80,911-19.3% |
| Participation rate | 87.8% | 72.4%+15.4pp | 76.5%+11.3pp | 67.6%+20.1pp |
| Annual return | 15.46% | 18.90%-3.4pp | 29.41%-14.0pp | 35.63%-20.2pp |
| Employer contribution / active EE | $1,592 | $2,368-32.8% | $3,022-47.3% | $2,756-42.2% |
| Participant deferral / active EE | $4,920 | $4,119+19.4% | $5,054-2.7% | $4,297+14.5% |
| Admin fee / account holder | $9,687 | $8,049+20.3% | $9,451+2.5% | $6,935+39.7% |