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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 | $75,650 | $106,524-29.0% | $152,301-50.3% | $87,485-13.5% |
| Participation rate | 91.1% | 75.8%+15.4pp | 82.4%+8.7pp | 68.9%+22.2pp |
| Annual return | 18.12% | 26.89%-8.8pp | 80.50%-62.4pp | 26.06%-7.9pp |
| Employer contribution / active EE | $3,906 | $3,371+15.9% | $4,624-15.5% | $2,596+50.5% |
| Participant deferral / active EE | $12,107 | $6,525+85.6% | $8,004+51.3% | $4,274+183.3% |
| Admin fee / account holder | $2,858 | $8,287-65.5% | $14,398-80.2% | $7,775-63.2% |