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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 | $77,106 | $97,550-21.0% | $120,344-35.9% | $87,485-11.9% |
| Participation rate | 86.7% | 72.8%+13.8pp | 76.7%+10.0pp | 68.9%+17.7pp |
| Annual return | 17.33% | 18.41%-1.1pp | 20.30%-3.0pp | 26.06%-8.7pp |
| Employer contribution / active EE | $2,336 | $2,291+2.0% | $3,020-22.6% | $2,596-10.0% |
| Participant deferral / active EE | $5,702 | $4,230+34.8% | $5,135+11.0% | $4,274+33.4% |
| Admin fee / account holder | $2,848 | $9,543-70.2% | $12,742-77.7% | $7,775-63.4% |