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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 | $77,280 | $86,050-10.2% | $189,758-59.3% | $94,015-17.8% |
| Participation rate | 87.5% | 68.9%+18.6pp | 79.8%+7.7pp | 70.8%+16.7pp |
| Annual return | 15.85% | 17.77%-1.9pp | 52.62%-36.8pp | 17.84%-2.0pp |
| Employer contribution / active EE | $3,145 | $2,819+11.5% | $4,767-34.0% | $2,790+12.7% |
| Participant deferral / active EE | $4,469 | $3,349+33.5% | $5,856-23.7% | $4,249+5.2% |
| Admin fee / account holder | $3,503 | $6,627-47.1% | $20,388-82.8% | $8,951-60.9% |