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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 | $72,382 | $81,358-11.0% | $155,556-53.5% | $80,959-10.6% |
| Participation rate | 86.7% | 66.3%+20.4pp | 78.2%+8.4pp | 67.7%+19.0pp |
| Annual return | 11.40% | 33.39%-22.0pp | 64.84%-53.4pp | 35.67%-24.3pp |
| Employer contribution / active EE | $4,397 | $3,106+41.6% | $4,675-6.0% | $2,757+59.5% |
| Participant deferral / active EE | $7,068 | $3,455+104.5% | $5,631+25.5% | $4,300+64.4% |
| Admin fee / account holder | $4,048 | $7,994-49.4% | $15,885-74.5% | $6,925-41.5% |