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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 | $71,702 | $108,825-34.1% | $156,181-54.1% | $82,448-13.0% |
| Participation rate | 94.0% | 72.4%+21.6pp | 78.8%+15.2pp | 68.1%+25.9pp |
| Annual return | 15.56% | 20.59%-5.0pp | 64.87%-49.3pp | 41.64%-26.1pp |
| Employer contribution / active EE | $2,795 | $2,870-2.6% | $4,294-34.9% | $2,551+9.6% |
| Participant deferral / active EE | $6,505 | $4,577+42.1% | $6,132+6.1% | $4,139+57.2% |
| Admin fee / account holder | $7,164 | $9,341-23.3% | $14,586-50.9% | $7,234-1.0% |