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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 | $74,965 | $77,358-3.1% | $102,184-26.6% | $87,485-14.3% |
| Participation rate | 91.1% | 78.7%+12.4pp | 82.6%+8.5pp | 68.9%+22.2pp |
| Annual return | 22.51% | 41.11%-18.6pp | 31.58%-9.1pp | 26.06%-3.6pp |
| Employer contribution / active EE | $1,725 | $2,562-32.7% | $3,594-52.0% | $2,596-33.6% |
| Participant deferral / active EE | $8,746 | $6,753+29.5% | $8,309+5.3% | $4,274+104.7% |
| Admin fee / account holder | $3,363 | $6,809-50.6% | $11,609-71.0% | $7,775-56.7% |