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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 | $78,520-4.5% | $96,576-22.4% | $82,448-9.1% |
| Participation rate | 91.1% | 77.7%+13.4pp | 81.4%+9.7pp | 68.1%+23.0pp |
| Annual return | 22.51% | 41.30%-18.8pp | 38.47%-16.0pp | 41.64%-19.1pp |
| Employer contribution / active EE | $1,725 | $2,630-34.4% | $3,553-51.5% | $2,551-32.4% |
| Participant deferral / active EE | $8,746 | $6,754+29.5% | $7,956+9.9% | $4,139+111.3% |
| Admin fee / account holder | $3,363 | $13,455-75.0% | $11,381-70.5% | $7,234-53.5% |