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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 | $25,866 | $124,425-79.2% | $112,040-76.9% | $137,256-81.2% |
| Participation rate | 88.9% | 79.3%+9.6pp | 76.5%+12.4pp | 80.0%+8.9pp |
| Annual return | 18.60% | 24.72%-6.1pp | 24.52%-5.9pp | 220.34%-201.7pp |
| Employer contribution / active EE | $2,986 | $3,411-12.5% | $2,954+1.1% | $4,156-28.1% |
| Participant deferral / active EE | $6,080 | $5,718+6.3% | $5,098+19.3% | $6,407-5.1% |
| Admin fee / account holder | $489 | $15,207-96.8% | $12,098-96.0% | $12,270-96.0% |