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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 | $72,775 | $138,385-47.4% | $184,243-60.5% | $80,925-10.1% |
| Participation rate | 88.9% | 83.9%+5.0pp | 86.8%+2.1pp | 67.7%+21.2pp |
| Annual return | 19.63% | 20.02%-0.4pp | 28.82%-9.2pp | 35.65%-16.0pp |
| Employer contribution / active EE | $6,407 | $4,851+32.1% | $6,427-0.3% | $2,756+132.5% |
| Participant deferral / active EE | $11,599 | $7,075+63.9% | $9,132+27.0% | $4,299+169.8% |
| Admin fee / account holder | $1,647 | $10,489-84.3% | $13,914-88.2% | $6,940-76.3% |