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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 | $81,132 | $81,358-0.3% | $155,556-47.8% | $80,959+0.2% |
| Participation rate | 93.8% | 66.3%+27.5pp | 78.2%+15.5pp | 67.7%+26.1pp |
| Annual return | 14.93% | 33.39%-18.5pp | 64.84%-49.9pp | 35.67%-20.7pp |
| Employer contribution / active EE | $3,217 | $3,106+3.6% | $4,675-31.2% | $2,757+16.7% |
| Participant deferral / active EE | $6,475 | $3,455+87.4% | $5,631+15.0% | $4,300+50.6% |
| Admin fee / account holder | $5,733 | $7,994-28.3% | $15,885-63.9% | $6,925-17.2% |