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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 | $87,904 | $106,864-17.7% | $147,318-40.3% | $82,637+6.4% |
| Participation rate | 88.6% | 75.5%+13.1pp | 82.1%+6.6pp | 68.1%+20.6pp |
| Annual return | 16.64% | 27.49%-10.8pp | 70.43%-53.8pp | 53.51%-36.9pp |
| Employer contribution / active EE | $4,635 | $3,417+35.7% | $4,593+0.9% | $2,552+81.6% |
| Participant deferral / active EE | $9,476 | $6,496+45.9% | $7,906+19.9% | $4,126+129.7% |
| Admin fee / account holder | $8,668 | $8,415+3.0% | $13,708-36.8% | $7,339+18.1% |