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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 | $75,813 | $153,769-50.7% | $133,975-43.4% | $273,972-72.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.1%+12.9pp | 83.0%+17.0pp |
| Annual return | 4.44% | 36.51%-32.1pp | 29.29%-24.9pp | 41.46%-37.0pp |
| Employer contribution / active EE | $4,385 | $6,029-27.3% | $5,211-15.8% | $4,869-9.9% |
| Participant deferral / active EE | $11,027 | $6,958+58.5% | $6,282+75.5% | $5,287+108.6% |
| Admin fee / account holder | $2,783 | $11,765-76.3% | $9,324-70.1% | $10,133-72.5% |