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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 | $81,447 | $106,864-23.8% | $147,318-44.7% | $82,637-1.4% |
| Participation rate | 96.0% | 75.5%+20.5pp | 82.1%+13.9pp | 68.1%+27.9pp |
| Annual return | 16.27% | 27.49%-11.2pp | 70.43%-54.2pp | 53.51%-37.2pp |
| Employer contribution / active EE | $1,943 | $3,417-43.1% | $4,593-57.7% | $2,552-23.9% |
| Participant deferral / active EE | $6,867 | $6,496+5.7% | $7,906-13.2% | $4,126+66.4% |
| Admin fee / account holder | $796 | $8,415-90.5% | $13,708-94.2% | $7,339-89.2% |