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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 | $73,983 | $163,487-54.7% | $269,529-72.6% | $132,820-44.3% |
| Participation rate | 86.7% | 74.1%+12.6pp | 82.8%+3.8pp | 74.3%+12.4pp |
| Annual return | 16.06% | 15.72%+0.3pp | -4.31%+20.4pp | 14.82%+1.2pp |
| Employer contribution / active EE | $5,830 | $4,877+19.5% | $8,701-33.0% | $4,144+40.7% |
| Participant deferral / active EE | $5,489 | $4,352+26.1% | $4,900+12.0% | $3,980+37.9% |
| Admin fee / account holder | $896 | $13,259-93.2% | $15,286-94.1% | $11,722-92.4% |