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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 | $76,788 | $86,891-11.6% | $142,516-46.1% | $75,177+2.1% |
| Participation rate | 93.5% | 68.5%+25.0pp | 76.8%+16.8pp | 67.2%+26.3pp |
| Annual return | 15.85% | 23.31%-7.5pp | 20.03%-4.2pp | 160.75%-144.9pp |
| Employer contribution / active EE | $5,087 | $3,355+51.6% | $4,849+4.9% | $2,671+90.5% |
| Participant deferral / active EE | $9,805 | $4,938+98.6% | $6,280+56.1% | $4,126+137.6% |
| Admin fee / account holder | $1,531 | $7,299-79.0% | $10,008-84.7% | $5,651-72.9% |