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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 | $77,577 | $84,236-7.9% | $170,435-54.5% | $70,126+10.6% |
| Participation rate | 94.9% | 70.8%+24.1pp | 83.6%+11.3pp | 69.5%+25.4pp |
| Annual return | 13.11% | 23.06%-9.9pp | 205.94%-192.8pp | 73.15%-60.0pp |
| Employer contribution / active EE | $1,794 | $3,387-47.0% | $5,432-67.0% | $2,343-23.4% |
| Participant deferral / active EE | $2,888 | $3,086-6.4% | $4,939-41.5% | $3,332-13.3% |
| Admin fee / account holder | $5,737 | $5,698+0.7% | $13,881-58.7% | $4,645+23.5% |