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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 | $73,361 | $73,787-0.6% | $98,716-25.7% | $82,448-11.0% |
| Participation rate | 96.0% | 61.4%+34.6pp | 69.3%+26.7pp | 68.1%+27.9pp |
| Annual return | 18.35% | 18.57%-0.2pp | 31.81%-13.5pp | 41.64%-23.3pp |
| Employer contribution / active EE | $4,323 | $1,511+186.1% | $2,279+89.7% | $2,551+69.5% |
| Participant deferral / active EE | $7,066 | $3,081+129.3% | $4,048+74.6% | $4,139+70.7% |
| Admin fee / account holder | $1,923 | $6,500-70.4% | $8,703-77.9% | $7,234-73.4% |