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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 | $80,745 | $76,407+5.7% | $150,298-46.3% | $82,448-2.1% |
| Participation rate | 93.2% | 66.4%+26.8pp | 77.8%+15.4pp | 68.1%+25.1pp |
| Annual return | 15.97% | 39.99%-24.0pp | 62.79%-46.8pp | 41.64%-25.7pp |
| Employer contribution / active EE | $3,425 | $2,614+31.0% | $4,154-17.6% | $2,551+34.2% |
| Participant deferral / active EE | $2,936 | $3,214-8.7% | $5,453-46.2% | $4,139-29.1% |
| Admin fee / account holder | $5,019 | $6,352-21.0% | $14,116-64.4% | $7,234-30.6% |