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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 | $106,688 | $181,896-41.3% | $156,551-31.9% | $273,972-61.1% |
| Participation rate | 95.8% | 88.4%+7.4pp | 84.0%+11.8pp | 83.0%+12.8pp |
| Annual return | 5.89% | 30.74%-24.8pp | 32.23%-26.3pp | 41.46%-35.6pp |
| Employer contribution / active EE | $13,836 | $6,248+121.4% | $5,501+151.5% | $4,869+184.2% |
| Participant deferral / active EE | $12,925 | $5,550+132.9% | $4,871+165.3% | $5,287+144.4% |
| Admin fee / account holder | $19,897 | $15,560+27.9% | $13,028+52.7% | $10,133+96.4% |