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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 | $72,580 | $95,453-24.0% | $112,040-35.2% | $82,448-12.0% |
| Participation rate | 97.1% | 72.8%+24.3pp | 76.5%+20.6pp | 68.1%+29.0pp |
| Annual return | 23.59% | 23.92%-0.3pp | 24.52%-0.9pp | 41.64%-18.1pp |
| Employer contribution / active EE | $8,264 | $2,318+256.5% | $2,954+179.7% | $2,551+223.9% |
| Participant deferral / active EE | $10,781 | $4,224+155.2% | $5,098+111.5% | $4,139+160.5% |
| Admin fee / account holder | $4,935 | $9,013-45.2% | $12,098-59.2% | $7,234-31.8% |