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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 | $69,156 | $95,453-27.6% | $112,040-38.3% | $82,448-16.1% |
| Participation rate | 91.1% | 72.8%+18.4pp | 76.5%+14.6pp | 68.1%+23.0pp |
| Annual return | 18.23% | 23.92%-5.7pp | 24.52%-6.3pp | 41.64%-23.4pp |
| Employer contribution / active EE | $7,937 | $2,318+242.4% | $2,954+168.7% | $2,551+211.1% |
| Participant deferral / active EE | $3,878 | $4,224-8.2% | $5,098-23.9% | $4,139-6.3% |
| Admin fee / account holder | $3,435 | $9,013-61.9% | $12,098-71.6% | $7,234-52.5% |