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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 | $82,999 | $101,795-18.5% | $165,100-49.7% | $80,959+2.5% |
| Participation rate | 95.2% | 71.8%+23.4pp | 78.6%+16.6pp | 67.7%+27.6pp |
| Annual return | 14.45% | 16.73%-2.3pp | 70.21%-55.8pp | 35.67%-21.2pp |
| Employer contribution / active EE | $3,755 | $2,954+27.1% | $4,348-13.6% | $2,757+36.2% |
| Participant deferral / active EE | $8,817 | $4,476+97.0% | $6,035+46.1% | $4,300+105.0% |
| Admin fee / account holder | $2,745 | $8,221-66.6% | $12,696-78.4% | $6,925-60.4% |