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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 | $86,750 | $81,331+6.7% | $155,534-44.2% | $80,935+7.2% |
| Participation rate | 92.9% | 66.3%+26.6pp | 78.2%+14.6pp | 67.7%+25.2pp |
| Annual return | 16.25% | 33.37%-17.1pp | 64.92%-48.7pp | 35.66%-19.4pp |
| Employer contribution / active EE | $2,547 | $3,105-18.0% | $4,675-45.5% | $2,757-7.6% |
| Participant deferral / active EE | $4,982 | $3,454+44.2% | $5,630-11.5% | $4,299+15.9% |
| Admin fee / account holder | $2,810 | $7,999-64.9% | $15,900-82.3% | $6,924-59.4% |