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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 | $94,640 | $123,478-23.4% | $216,567-56.3% | $94,015+0.7% |
| Participation rate | 88.9% | 75.1%+13.8pp | 81.6%+7.2pp | 70.8%+18.1pp |
| Annual return | 19.25% | 23.61%-4.4pp | 12.94%+6.3pp | 17.84%+1.4pp |
| Employer contribution / active EE | $3,529 | $3,136+12.6% | $5,216-32.3% | $2,790+26.5% |
| Participant deferral / active EE | $5,220 | $4,556+14.6% | $6,191-15.7% | $4,249+22.8% |
| Admin fee / account holder | $2,296 | $12,753-82.0% | $21,981-89.6% | $8,951-74.3% |