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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 | $133,471 | $149,446-10.7% | $256,809-48.0% | $94,015+42.0% |
| Participation rate | 88.9% | 85.3%+3.6pp | 88.5%+0.4pp | 70.8%+18.1pp |
| Annual return | 22.88% | 17.55%+5.3pp | 32.73%-9.8pp | 17.84%+5.0pp |
| Employer contribution / active EE | $3,657 | $4,596-20.4% | $7,263-49.7% | $2,790+31.1% |
| Participant deferral / active EE | $6,748 | $6,491+4.0% | $9,520-29.1% | $4,249+58.8% |
| Admin fee / account holder | $2,571 | $24,035-89.3% | $25,146-89.8% | $8,951-71.3% |