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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 | $133,996 | $72,027+86.0% | $185,835-27.9% | $79,852+67.8% |
| Participation rate | 77.8% | 65.8%+12.0pp | 78.0%-0.3pp | 69.6%+8.1pp |
| Annual return | 16.99% | 23.13%-6.1pp | 35.96%-19.0pp | 31.72%-14.7pp |
| Employer contribution / active EE | $7,727 | $1,965+293.2% | $4,087+89.0% | $2,471+212.7% |
| Participant deferral / active EE | $5,303 | $3,780+40.3% | $5,633-5.9% | $3,740+41.8% |
| Admin fee / account holder | $562 | $4,513-87.6% | $9,502-94.1% | $5,306-89.4% |