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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 | $64,803 | $93,617-30.8% | $135,982-52.3% | $75,177-13.8% |
| Participation rate | 92.0% | 75.2%+16.8pp | 81.9%+10.1pp | 67.2%+24.8pp |
| Annual return | 17.06% | 30.89%-13.8pp | 68.32%-51.3pp | 160.75%-143.7pp |
| Employer contribution / active EE | $6,828 | $3,538+93.0% | $4,859+40.5% | $2,671+155.6% |
| Participant deferral / active EE | $4,959 | $6,406-22.6% | $7,760-36.1% | $4,126+20.2% |
| Admin fee / account holder | $1,257 | $6,980-82.0% | $10,767-88.3% | $5,651-77.8% |