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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 | $79,582 | $75,541+5.3% | $152,093-47.7% | $82,637-3.7% |
| Participation rate | 82.2% | 66.5%+15.7pp | 77.8%+4.5pp | 68.1%+14.2pp |
| Annual return | 13.12% | 32.56%-19.4pp | 66.36%-53.2pp | 53.51%-40.4pp |
| Employer contribution / active EE | $2,280 | $2,622-13.1% | $4,175-45.4% | $2,552-10.7% |
| Participant deferral / active EE | $8,717 | $3,206+171.9% | $5,451+59.9% | $4,126+111.3% |
| Admin fee / account holder | $9,127 | $6,405+42.5% | $14,497-37.0% | $7,339+24.4% |