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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 | $63,108 | $77,460-18.5% | $100,378-37.1% | $80,925-22.0% |
| Participation rate | 75.4% | 76.9%-1.5pp | 81.5%-6.1pp | 67.7%+7.8pp |
| Annual return | 15.98% | 37.24%-21.3pp | 49.41%-33.4pp | 35.65%-19.7pp |
| Employer contribution / active EE | $3,766 | $2,801+34.4% | $3,942-4.5% | $2,756+36.6% |
| Participant deferral / active EE | $11,067 | $6,818+62.3% | $8,087+36.9% | $4,299+157.5% |
| Admin fee / account holder | $7,098 | $5,887+20.6% | $7,899-10.1% | $6,940+2.3% |