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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 | $85,769 | $99,875-14.1% | $146,866-41.6% | $86,983-1.4% |
| Participation rate | 95.6% | 75.8%+19.7pp | 82.5%+13.0pp | 69.5%+26.0pp |
| Annual return | 18.59% | 28.10%-9.5pp | 102.85%-84.3pp | 25.83%-7.2pp |
| Employer contribution / active EE | $2,974 | $3,224-7.8% | $4,425-32.8% | $2,584+15.1% |
| Participant deferral / active EE | $6,507 | $6,322+2.9% | $7,759-16.1% | $4,194+55.2% |
| Admin fee / account holder | $1,315 | $7,838-83.2% | $13,620-90.3% | $7,856-83.3% |