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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 | $85,385 | $81,358+4.9% | $155,556-45.1% | $80,959+5.5% |
| Participation rate | 98.6% | 66.3%+32.3pp | 78.2%+20.3pp | 67.7%+30.9pp |
| Annual return | 12.59% | 33.39%-20.8pp | 64.84%-52.2pp | 35.67%-23.1pp |
| Employer contribution / active EE | $2,787 | $3,106-10.3% | $4,675-40.4% | $2,757+1.1% |
| Participant deferral / active EE | $5,686 | $3,455+64.6% | $5,631+1.0% | $4,300+32.2% |
| Admin fee / account holder | $2,229 | $7,994-72.1% | $15,885-86.0% | $6,925-67.8% |