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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 | $82,684 | $72,607+13.9% | $90,259-8.4% | $87,485-5.5% |
| Participation rate | 83.9% | 64.8%+19.1pp | 70.7%+13.1pp | 68.9%+14.9pp |
| Annual return | 16.49% | 18.59%-2.1pp | 18.88%-2.4pp | 26.06%-9.6pp |
| Employer contribution / active EE | $3,129 | $1,919+63.0% | $2,291+36.5% | $2,596+20.5% |
| Participant deferral / active EE | $8,475 | $3,055+177.4% | $3,827+121.5% | $4,274+98.3% |
| Admin fee / account holder | $2,657 | $5,947-55.3% | $7,267-63.4% | $7,775-65.8% |