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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 | $76,413 | $81,358-6.1% | $155,556-50.9% | $80,959-5.6% |
| Participation rate | 82.1% | 66.3%+15.9pp | 78.2%+3.9pp | 67.7%+14.5pp |
| Annual return | 15.53% | 33.39%-17.9pp | 64.84%-49.3pp | 35.67%-20.1pp |
| Employer contribution / active EE | $4,890 | $3,106+57.4% | $4,675+4.6% | $2,757+77.3% |
| Participant deferral / active EE | $5,073 | $3,455+46.8% | $5,631-9.9% | $4,300+18.0% |
| Admin fee / account holder | $324 | $7,994-96.0% | $15,885-98.0% | $6,925-95.3% |