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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 | $85,998 | $105,623-18.6% | $87,502-1.7% | $273,972-68.6% |
| Participation rate | 95.8% | 78.2%+17.6pp | 73.8%+22.0pp | 83.0%+12.8pp |
| Annual return | 9.66% | 12.26%-2.6pp | 12.21%-2.6pp | 41.46%-31.8pp |
| Employer contribution / active EE | $4,142 | $3,141+31.9% | $2,550+62.5% | $4,869-14.9% |
| Participant deferral / active EE | $5,844 | $3,601+62.3% | $3,149+85.6% | $5,287+10.5% |
| Admin fee / account holder | $1,475 | $4,781-69.1% | $4,221-65.0% | $10,133-85.4% |