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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 | $75,477 | $80,983-6.8% | $96,544-21.8% | $75,177+0.4% |
| Participation rate | 88.0% | 71.8%+16.2pp | 76.0%+12.0pp | 67.2%+20.8pp |
| Annual return | 13.04% | 27.05%-14.0pp | 25.88%-12.8pp | 160.75%-147.7pp |
| Employer contribution / active EE | $4,935 | $2,282+116.2% | $2,966+66.4% | $2,671+84.8% |
| Participant deferral / active EE | $3,606 | $3,929-8.2% | $4,851-25.7% | $4,126-12.6% |
| Admin fee / account holder | $6,868 | $6,717+2.2% | $8,254-16.8% | $5,651+21.5% |