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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 | $56,366 | $83,485-32.5% | $125,195-55.0% | $72,976-22.8% |
| Participation rate | 86.5% | 73.3%+13.2pp | 79.8%+6.7pp | 69.5%+17.0pp |
| Annual return | 23.35% | 25.77%-2.4pp | 43.79%-20.4pp | 81.02%-57.7pp |
| Employer contribution / active EE | $4,968 | $2,346+111.8% | $3,866+28.5% | $2,440+103.6% |
| Participant deferral / active EE | $4,844 | $3,586+35.1% | $4,937-1.9% | $3,608+34.3% |
| Admin fee / account holder | $9,204 | $5,518+66.8% | $9,704-5.2% | $5,124+79.6% |