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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 | $72,790 | $93,598-22.2% | $135,974-46.5% | $75,173-3.2% |
| Participation rate | 89.4% | 75.2%+14.2pp | 81.9%+7.4pp | 67.2%+22.2pp |
| Annual return | 34.96% | 30.89%+4.1pp | 68.30%-33.3pp | 160.72%-125.8pp |
| Employer contribution / active EE | $2,707 | $3,538-23.5% | $4,859-44.3% | $2,671+1.3% |
| Participant deferral / active EE | $6,040 | $6,405-5.7% | $7,760-22.2% | $4,126+46.4% |
| Admin fee / account holder | $1,908 | $6,978-72.6% | $10,767-82.3% | $5,651-66.2% |