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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 | $78,350 | $86,949-9.9% | $102,460-23.5% | $80,959-3.2% |
| Participation rate | 93.1% | 72.4%+20.7pp | 76.5%+16.6pp | 67.7%+25.4pp |
| Annual return | 13.44% | 18.89%-5.5pp | 29.47%-16.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $3,414 | $2,370+44.1% | $3,025+12.9% | $2,757+23.8% |
| Participant deferral / active EE | $8,531 | $4,121+107.0% | $5,056+68.7% | $4,300+98.4% |
| Admin fee / account holder | $2,173 | $8,048-73.0% | $9,460-77.0% | $6,925-68.6% |