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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 | $82,816 | $77,814+6.4% | $158,223-47.7% | $86,983-4.8% |
| Participation rate | 80.4% | 68.4%+12.0pp | 79.2%+1.2pp | 69.5%+10.9pp |
| Annual return | 20.06% | 30.54%-10.5pp | 52.09%-32.0pp | 25.83%-5.8pp |
| Employer contribution / active EE | $1,729 | $2,592-33.3% | $4,109-57.9% | $2,584-33.1% |
| Participant deferral / active EE | $5,609 | $3,270+71.5% | $5,467+2.6% | $4,194+33.7% |
| Admin fee / account holder | $3,267 | $5,879-44.4% | $16,047-79.6% | $7,856-58.4% |