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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 | $72,985 | $138,393-47.3% | $184,256-60.4% | $80,959-9.8% |
| Participation rate | 94.3% | 83.9%+10.4pp | 86.8%+7.5pp | 67.7%+26.6pp |
| Annual return | 13.73% | 20.01%-6.3pp | 28.85%-15.1pp | 35.67%-21.9pp |
| Employer contribution / active EE | $3,668 | $4,847-24.3% | $6,427-42.9% | $2,757+33.0% |
| Participant deferral / active EE | $9,000 | $7,076+27.2% | $9,133-1.5% | $4,300+109.3% |
| Admin fee / account holder | $8,839 | $10,489-15.7% | $13,899-36.4% | $6,925+27.6% |