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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 | $85,982 | $106,749-19.5% | $145,433-40.9% | $82,448+4.3% |
| Participation rate | 89.7% | 75.6%+14.0pp | 82.1%+7.5pp | 68.1%+21.6pp |
| Annual return | 16.71% | 27.59%-10.9pp | 66.58%-49.9pp | 41.64%-24.9pp |
| Employer contribution / active EE | $4,010 | $3,444+16.4% | $4,554-12.0% | $2,551+57.2% |
| Participant deferral / active EE | $9,856 | $6,519+51.2% | $7,897+24.8% | $4,139+138.1% |
| Admin fee / account holder | $13,833 | $8,390+64.9% | $13,129+5.4% | $7,234+91.2% |