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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 | $81,331+1.1% | $155,534-47.1% | $80,935+1.6% |
| Participation rate | 95.7% | 66.3%+29.4pp | 78.2%+17.4pp | 67.7%+28.0pp |
| Annual return | 15.63% | 33.37%-17.7pp | 64.92%-49.3pp | 35.66%-20.0pp |
| Employer contribution / active EE | $2,532 | $3,105-18.4% | $4,675-45.8% | $2,757-8.1% |
| Participant deferral / active EE | $4,180 | $3,454+21.0% | $5,630-25.8% | $4,299-2.8% |
| Admin fee / account holder | $1,758 | $7,999-78.0% | $15,900-88.9% | $6,924-74.6% |