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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 | $63,421 | $86,949-27.1% | $102,460-38.1% | $80,959-21.7% |
| Participation rate | 79.4% | 72.4%+7.0pp | 76.5%+2.9pp | 67.7%+11.7pp |
| Annual return | 11.23% | 18.89%-7.7pp | 29.47%-18.2pp | 35.67%-24.4pp |
| Employer contribution / active EE | $6,180 | $2,370+160.8% | $3,025+104.3% | $2,757+124.2% |
| Participant deferral / active EE | $5,248 | $4,121+27.3% | $5,056+3.8% | $4,300+22.0% |
| Admin fee / account holder | $1,742 | $8,048-78.4% | $9,460-81.6% | $6,925-74.8% |