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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 | $82,245 | $81,358+1.1% | $155,556-47.1% | $80,959+1.6% |
| Participation rate | 95.7% | 66.3%+29.4pp | 78.2%+17.4pp | 67.7%+28.0pp |
| Annual return | 15.63% | 33.39%-17.8pp | 64.84%-49.2pp | 35.67%-20.0pp |
| Employer contribution / active EE | $2,532 | $3,106-18.5% | $4,675-45.8% | $2,757-8.2% |
| Participant deferral / active EE | $4,180 | $3,455+21.0% | $5,631-25.8% | $4,300-2.8% |
| Admin fee / account holder | $1,758 | $7,994-78.0% | $15,885-88.9% | $6,925-74.6% |