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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 | $78,208 | $56,894+37.5% | $84,753-7.7% | $62,881+24.4% |
| Participation rate | 75.9% | 68.5%+7.3pp | 76.6%-0.7pp | 69.3%+6.6pp |
| Annual return | 6.93% | 6.30%+0.6pp | 22.78%-15.8pp | 20.14%-13.2pp |
| Employer contribution / active EE | $1,943 | $2,400-19.0% | $3,574-45.6% | $2,281-14.8% |
| Participant deferral / active EE | $3,229 | $2,709+19.2% | $3,712-13.0% | $3,203+0.8% |
| Admin fee / account holder | $10,626 | $3,581+196.7% | $5,333+99.2% | $4,296+147.4% |