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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 | $99,875-24.3% | $146,866-48.5% | $86,983-13.0% |
| Participation rate | 91.1% | 75.8%+15.3pp | 82.5%+8.6pp | 69.5%+21.6pp |
| Annual return | 18.12% | 28.10%-10.0pp | 102.85%-84.7pp | 25.83%-7.7pp |
| Employer contribution / active EE | $3,906 | $3,224+21.2% | $4,425-11.7% | $2,584+51.1% |
| Participant deferral / active EE | $12,107 | $6,322+91.5% | $7,759+56.0% | $4,194+188.7% |
| Admin fee / account holder | $2,858 | $7,838-63.5% | $13,620-79.0% | $7,856-63.6% |