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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 | $81,262-7.3% | $155,602-51.6% | $80,911-6.9% |
| Participation rate | 93.5% | 66.2%+27.3pp | 78.2%+15.3pp | 67.6%+25.9pp |
| Annual return | 10.91% | 33.34%-22.4pp | 64.81%-53.9pp | 35.63%-24.7pp |
| Employer contribution / active EE | $2,686 | $3,102-13.4% | $4,675-42.5% | $2,756-2.5% |
| Participant deferral / active EE | $5,040 | $3,451+46.0% | $5,629-10.5% | $4,297+17.3% |
| Admin fee / account holder | $304 | $7,992-96.2% | $15,923-98.1% | $6,935-95.6% |