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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 | $72,973 | $106,749-31.6% | $145,433-49.8% | $82,448-11.5% |
| Participation rate | 91.4% | 75.6%+15.8pp | 82.1%+9.3pp | 68.1%+23.4pp |
| Annual return | 25.54% | 27.59%-2.1pp | 66.58%-41.0pp | 41.64%-16.1pp |
| Employer contribution / active EE | $3,605 | $3,444+4.7% | $4,554-20.9% | $2,551+41.3% |
| Participant deferral / active EE | $9,083 | $6,519+39.3% | $7,897+15.0% | $4,139+119.4% |
| Admin fee / account holder | $6,751 | $8,390-19.5% | $13,129-48.6% | $7,234-6.7% |