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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 | $77,523-11.0% | $100,383-31.3% | $80,874-14.7% |
| Participation rate | 74.5% | 77.0%-2.5pp | 81.5%-7.0pp | 67.6%+6.8pp |
| Annual return | 23.06% | 37.21%-14.1pp | 49.26%-26.2pp | 35.62%-12.6pp |
| Employer contribution / active EE | $4,220 | $2,801+50.6% | $3,944+7.0% | $2,756+53.1% |
| Participant deferral / active EE | $7,849 | $6,822+15.1% | $8,086-2.9% | $4,297+82.7% |
| Admin fee / account holder | $7,508 | $5,899+27.3% | $7,900-5.0% | $6,935+8.3% |