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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 | $70,567 | $72,486-2.6% | $87,103-19.0% | $72,976-3.3% |
| Participation rate | 97.7% | 72.8%+24.9pp | 76.9%+20.8pp | 69.5%+28.2pp |
| Annual return | 19.52% | 24.46%-4.9pp | 28.19%-8.7pp | 81.02%-61.5pp |
| Employer contribution / active EE | $4,734 | $1,894+150.0% | $2,521+87.8% | $2,440+94.0% |
| Participant deferral / active EE | $5,922 | $3,270+81.1% | $4,049+46.3% | $3,608+64.2% |
| Admin fee / account holder | $3,849 | $5,055-23.9% | $7,491-48.6% | $5,124-24.9% |