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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 | $75,633 | $76,551-1.2% | $123,894-39.0% | $62,881+20.3% |
| Participation rate | 92.0% | 73.0%+19.0pp | 81.4%+10.6pp | 69.3%+22.7pp |
| Annual return | 8.12% | 18.68%-10.6pp | 47.52%-39.4pp | 20.14%-12.0pp |
| Employer contribution / active EE | $2,967 | $2,882+2.9% | $4,617-35.7% | $2,281+30.1% |
| Participant deferral / active EE | $6,382 | $4,840+31.9% | $5,984+6.6% | $3,203+99.2% |
| Admin fee / account holder | $626 | $4,826-87.0% | $8,357-92.5% | $4,296-85.4% |