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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 | $79,930 | $81,504-1.9% | $102,437-22.0% | $80,959-1.3% |
| Participation rate | 79.3% | 66.9%+12.5pp | 74.5%+4.8pp | 67.7%+11.6pp |
| Annual return | 12.68% | 25.60%-12.9pp | 24.95%-12.3pp | 35.67%-23.0pp |
| Employer contribution / active EE | $6,346 | $3,104+104.5% | $3,871+63.9% | $2,757+130.2% |
| Participant deferral / active EE | $2,492 | $3,871-35.6% | $5,060-50.8% | $4,300-42.0% |
| Admin fee / account holder | $1,232 | $6,719-81.7% | $8,388-85.3% | $6,925-82.2% |