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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 | $86,949-2.5% | $102,460-17.3% | $80,959+4.7% |
| Participation rate | 96.1% | 72.4%+23.7pp | 76.5%+19.6pp | 67.7%+28.4pp |
| Annual return | 12.18% | 18.89%-6.7pp | 29.47%-17.3pp | 35.67%-23.5pp |
| Employer contribution / active EE | $3,462 | $2,370+46.1% | $3,025+14.5% | $2,757+25.6% |
| Participant deferral / active EE | $4,560 | $4,121+10.6% | $5,056-9.8% | $4,300+6.0% |
| Admin fee / account holder | $7,499 | $8,048-6.8% | $9,460-20.7% | $6,925+8.3% |