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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 | $67,516 | $106,524-36.6% | $152,301-55.7% | $87,485-22.8% |
| Participation rate | 92.0% | 75.8%+16.2pp | 82.4%+9.6pp | 68.9%+23.1pp |
| Annual return | 19.98% | 26.89%-6.9pp | 80.50%-60.5pp | 26.06%-6.1pp |
| Employer contribution / active EE | $4,157 | $3,371+23.3% | $4,624-10.1% | $2,596+60.1% |
| Participant deferral / active EE | $7,838 | $6,525+20.1% | $8,004-2.1% | $4,274+83.4% |
| Admin fee / account holder | $994 | $8,287-88.0% | $14,398-93.1% | $7,775-87.2% |