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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 | $79,314 | $76,551+3.6% | $123,894-36.0% | $62,881+26.1% |
| Participation rate | 70.0% | 73.0%-3.0pp | 81.4%-11.4pp | 69.3%+0.7pp |
| Annual return | 9.95% | 18.68%-8.7pp | 47.52%-37.6pp | 20.14%-10.2pp |
| Employer contribution / active EE | $2,327 | $2,882-19.3% | $4,617-49.6% | $2,281+2.0% |
| Participant deferral / active EE | $7,037 | $4,840+45.4% | $5,984+17.6% | $3,203+119.7% |
| Admin fee / account holder | $6,674 | $4,826+38.3% | $8,357-20.1% | $4,296+55.4% |