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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 | $127,426 | $106,524+19.6% | $152,301-16.3% | $87,485+45.7% |
| Participation rate | 74.4% | 75.8%-1.4pp | 82.4%-8.1pp | 68.9%+5.4pp |
| Annual return | 16.52% | 26.89%-10.4pp | 80.50%-64.0pp | 26.06%-9.5pp |
| Employer contribution / active EE | $4,402 | $3,371+30.6% | $4,624-4.8% | $2,596+69.6% |
| Participant deferral / active EE | $9,059 | $6,525+38.8% | $8,004+13.2% | $4,274+112.0% |
| Admin fee / account holder | $28,620 | $8,287+245.4% | $14,398+98.8% | $7,775+268.1% |