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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 | $73,068 | $81,487-10.3% | $102,412-28.7% | $80,935-9.7% |
| Participation rate | 80.0% | 66.8%+13.2pp | 74.5%+5.5pp | 67.7%+12.3pp |
| Annual return | 12.41% | 25.60%-13.2pp | 24.94%-12.5pp | 35.66%-23.2pp |
| Employer contribution / active EE | $3,591 | $3,103+15.7% | $3,870-7.2% | $2,757+30.3% |
| Participant deferral / active EE | $8,535 | $3,871+120.5% | $5,060+68.7% | $4,299+98.5% |
| Admin fee / account holder | $4,166 | $6,717-38.0% | $8,388-50.3% | $6,924-39.8% |