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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 | $74,728 | $95,453-21.7% | $112,040-33.3% | $82,448-9.4% |
| Participation rate | 83.8% | 72.8%+11.0pp | 76.5%+7.3pp | 68.1%+15.7pp |
| Annual return | 14.84% | 23.92%-9.1pp | 24.52%-9.7pp | 41.64%-26.8pp |
| Employer contribution / active EE | $7,950 | $2,318+243.0% | $2,954+169.1% | $2,551+211.6% |
| Participant deferral / active EE | $5,509 | $4,224+30.4% | $5,098+8.1% | $4,139+33.1% |
| Admin fee / account holder | $1,662 | $9,013-81.6% | $12,098-86.3% | $7,234-77.0% |