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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 | $84,285 | $83,898+0.5% | $133,346-36.8% | $94,015-10.3% |
| Participation rate | 96.2% | 63.4%+32.8pp | 72.8%+23.3pp | 70.8%+25.3pp |
| Annual return | 11.99% | 16.00%-4.0pp | 36.85%-24.9pp | 17.84%-5.9pp |
| Employer contribution / active EE | $3,513 | $1,821+93.0% | $2,853+23.1% | $2,790+25.9% |
| Participant deferral / active EE | $2,252 | $3,245-30.6% | $4,332-48.0% | $4,249-47.0% |
| Admin fee / account holder | $3,731 | $7,809-52.2% | $14,264-73.8% | $8,951-58.3% |