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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 | $75,830 | $76,551-0.9% | $123,894-38.8% | $62,881+20.6% |
| Participation rate | 87.5% | 73.0%+14.5pp | 81.4%+6.1pp | 69.3%+18.2pp |
| Annual return | 6.81% | 18.68%-11.9pp | 47.52%-40.7pp | 20.14%-13.3pp |
| Employer contribution / active EE | $1,778 | $2,882-38.3% | $4,617-61.5% | $2,281-22.1% |
| Participant deferral / active EE | $8,592 | $4,840+77.5% | $5,984+43.6% | $3,203+168.2% |
| Admin fee / account holder | $17,139 | $4,826+255.2% | $8,357+105.1% | $4,296+299.0% |