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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 | $75,367 | $81,358-7.4% | $155,556-51.5% | $80,959-6.9% |
| Participation rate | 93.5% | 66.3%+27.3pp | 78.2%+15.3pp | 67.7%+25.9pp |
| Annual return | 10.91% | 33.39%-22.5pp | 64.84%-53.9pp | 35.67%-24.8pp |
| Employer contribution / active EE | $2,686 | $3,106-13.5% | $4,675-42.5% | $2,757-2.6% |
| Participant deferral / active EE | $5,040 | $3,455+45.9% | $5,631-10.5% | $4,300+17.2% |
| Admin fee / account holder | $304 | $7,994-96.2% | $15,885-98.1% | $6,925-95.6% |