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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 | $106,524-31.5% | $152,301-52.1% | $87,485-16.6% |
| Participation rate | 91.4% | 75.8%+15.7pp | 82.4%+9.0pp | 68.9%+22.5pp |
| Annual return | 25.54% | 26.89%-1.4pp | 80.50%-55.0pp | 26.06%-0.5pp |
| Employer contribution / active EE | $3,605 | $3,371+6.9% | $4,624-22.0% | $2,596+38.8% |
| Participant deferral / active EE | $9,083 | $6,525+39.2% | $8,004+13.5% | $4,274+112.5% |
| Admin fee / account holder | $6,751 | $8,287-18.5% | $14,398-53.1% | $7,775-13.2% |