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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 | $78,169 | $106,749-26.8% | $145,433-46.3% | $82,448-5.2% |
| Participation rate | 81.8% | 75.6%+6.2pp | 82.1%-0.3pp | 68.1%+13.8pp |
| Annual return | 16.81% | 27.59%-10.8pp | 66.58%-49.8pp | 41.64%-24.8pp |
| Employer contribution / active EE | $4,946 | $3,444+43.6% | $4,554+8.6% | $2,551+93.9% |
| Participant deferral / active EE | $12,191 | $6,519+87.0% | $7,897+54.4% | $4,139+194.5% |
| Admin fee / account holder | $3,281 | $8,390-60.9% | $13,129-75.0% | $7,234-54.6% |