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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 | $70,605 | $81,476-13.3% | $102,383-31.0% | $80,925-12.8% |
| Participation rate | 72.9% | 66.8%+6.0pp | 74.5%-1.6pp | 67.7%+5.2pp |
| Annual return | 12.70% | 25.59%-12.9pp | 24.94%-12.2pp | 35.65%-22.9pp |
| Employer contribution / active EE | $3,083 | $3,105-0.7% | $3,870-20.3% | $2,756+11.9% |
| Participant deferral / active EE | $6,996 | $3,871+80.7% | $5,060+38.3% | $4,299+62.8% |
| Admin fee / account holder | $5,746 | $6,717-14.5% | $8,391-31.5% | $6,940-17.2% |