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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 | $76,728 | $81,504-5.9% | $102,437-25.1% | $80,959-5.2% |
| Participation rate | 87.8% | 66.9%+21.0pp | 74.5%+13.3pp | 67.7%+20.1pp |
| Annual return | 13.24% | 25.60%-12.4pp | 24.95%-11.7pp | 35.67%-22.4pp |
| Employer contribution / active EE | $5,067 | $3,104+63.3% | $3,871+30.9% | $2,757+83.8% |
| Participant deferral / active EE | $4,534 | $3,871+17.1% | $5,060-10.4% | $4,300+5.4% |
| Admin fee / account holder | $3,125 | $6,719-53.5% | $8,388-62.7% | $6,925-54.9% |