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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 | $79,826 | $81,358-1.9% | $155,556-48.7% | $80,959-1.4% |
| Participation rate | 90.7% | 66.3%+24.4pp | 78.2%+12.5pp | 67.7%+23.0pp |
| Annual return | 18.70% | 33.39%-14.7pp | 64.84%-46.1pp | 35.67%-17.0pp |
| Employer contribution / active EE | $3,108 | $3,1060% | $4,675-33.5% | $2,757+12.7% |
| Participant deferral / active EE | $2,700 | $3,455-21.8% | $5,631-52.0% | $4,300-37.2% |
| Admin fee / account holder | $3,156 | $7,994-60.5% | $15,885-80.1% | $6,925-54.4% |