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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 | $60,673 | $93,617-35.2% | $135,982-55.4% | $75,177-19.3% |
| Participation rate | 91.7% | 75.2%+16.5pp | 81.9%+9.7pp | 67.2%+24.5pp |
| Annual return | 21.06% | 30.89%-9.8pp | 68.32%-47.3pp | 160.75%-139.7pp |
| Employer contribution / active EE | $4,798 | $3,538+35.6% | $4,859-1.2% | $2,671+79.6% |
| Participant deferral / active EE | $9,443 | $6,406+47.4% | $7,760+21.7% | $4,126+128.8% |
| Admin fee / account holder | $3,958 | $6,980-43.3% | $10,767-63.2% | $5,651-30.0% |