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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 | $78,844 | $76,551+3.0% | $123,894-36.4% | $62,881+25.4% |
| Participation rate | 84.6% | 73.0%+11.6pp | 81.4%+3.2pp | 69.3%+15.3pp |
| Annual return | 8.18% | 18.68%-10.5pp | 47.52%-39.3pp | 20.14%-12.0pp |
| Employer contribution / active EE | $2,096 | $2,882-27.3% | $4,617-54.6% | $2,281-8.1% |
| Participant deferral / active EE | $4,746 | $4,840-1.9% | $5,984-20.7% | $3,203+48.2% |
| Admin fee / account holder | $7,835 | $4,826+62.4% | $8,357-6.2% | $4,296+82.4% |