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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 | $84,736 | $86,922-2.5% | $102,438-17.3% | $80,874+4.8% |
| Participation rate | 96.1% | 72.4%+23.7pp | 76.5%+19.6pp | 67.6%+28.4pp |
| Annual return | 12.18% | 18.90%-6.7pp | 29.37%-17.2pp | 35.62%-23.4pp |
| Employer contribution / active EE | $3,462 | $2,369+46.1% | $3,024+14.5% | $2,756+25.6% |
| Participant deferral / active EE | $4,560 | $4,119+10.7% | $5,054-9.8% | $4,297+6.1% |
| Admin fee / account holder | $7,499 | $8,050-6.8% | $9,448-20.6% | $6,935+8.1% |