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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 | $92,073 | $78,027+18.0% | $178,528-48.4% | $80,925+13.8% |
| Participation rate | 93.1% | 65.7%+27.4pp | 77.1%+16.0pp | 67.7%+25.4pp |
| Annual return | 13.61% | 18.09%-4.5pp | 27.11%-13.5pp | 35.65%-22.0pp |
| Employer contribution / active EE | $4,781 | $2,281+109.6% | $3,950+21.0% | $2,756+73.5% |
| Participant deferral / active EE | $4,717 | $4,408+7.0% | $6,278-24.9% | $4,299+9.7% |
| Admin fee / account holder | $1,381 | $7,168-80.7% | $10,419-86.7% | $6,940-80.1% |