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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 | $73,927 | $106,524-30.6% | $152,301-51.5% | $87,485-15.5% |
| Participation rate | 82.1% | 75.8%+6.4pp | 82.4%-0.3pp | 68.9%+13.2pp |
| Annual return | 20.93% | 26.89%-6.0pp | 80.50%-59.6pp | 26.06%-5.1pp |
| Employer contribution / active EE | $4,252 | $3,371+26.1% | $4,624-8.1% | $2,596+63.8% |
| Participant deferral / active EE | $9,227 | $6,525+41.4% | $8,004+15.3% | $4,274+115.9% |
| Admin fee / account holder | $3,527 | $8,287-57.4% | $14,398-75.5% | $7,775-54.6% |