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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 | $68,972 | $77,472-11.0% | $100,415-31.3% | $80,959-14.8% |
| Participation rate | 74.5% | 76.9%-2.5pp | 81.5%-7.0pp | 67.7%+6.8pp |
| Annual return | 23.06% | 37.26%-14.2pp | 49.47%-26.4pp | 35.67%-12.6pp |
| Employer contribution / active EE | $4,220 | $2,800+50.7% | $3,943+7.0% | $2,757+53.1% |
| Participant deferral / active EE | $7,849 | $6,818+15.1% | $8,091-3.0% | $4,300+82.5% |
| Admin fee / account holder | $7,508 | $5,885+27.6% | $7,906-5.0% | $6,925+8.4% |