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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 | $76,538 | $79,955-4.3% | $98,461-22.3% | $75,173+1.8% |
| Participation rate | 79.4% | 70.4%+9.0pp | 75.2%+4.2pp | 67.2%+12.2pp |
| Annual return | 17.61% | 19.75%-2.1pp | 21.17%-3.6pp | 160.72%-143.1pp |
| Employer contribution / active EE | $3,284 | $2,264+45.1% | $3,049+7.7% | $2,671+23.0% |
| Participant deferral / active EE | $4,207 | $3,752+12.1% | $4,738-11.2% | $4,126+2.0% |
| Admin fee / account holder | $3,974 | $6,841-41.9% | $8,961-55.7% | $5,651-29.7% |