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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 | $27,584 | $90,400-69.5% | $186,193-85.2% | $87,485-68.5% |
| Participation rate | 95.9% | 66.2%+29.7pp | 77.1%+18.8pp | 68.9%+27.0pp |
| Annual return | 15.78% | 22.15%-6.4pp | 78.03%-62.2pp | 26.06%-10.3pp |
| Employer contribution / active EE | $2,425 | $2,170+11.7% | $3,918-38.1% | $2,596-6.6% |
| Participant deferral / active EE | $2,775 | $4,330-35.9% | $6,513-57.4% | $4,274-35.1% |
| Admin fee / account holder | $2,134 | $8,673-75.4% | $11,058-80.7% | $7,775-72.6% |