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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 | $123,623 | $77,460+59.6% | $100,378+23.2% | $80,925+52.8% |
| Participation rate | 73.6% | 76.9%-3.4pp | 81.5%-7.9pp | 67.7%+5.9pp |
| Annual return | 24.30% | 37.24%-12.9pp | 49.41%-25.1pp | 35.65%-11.3pp |
| Employer contribution / active EE | $4,972 | $2,801+77.5% | $3,942+26.1% | $2,756+80.4% |
| Participant deferral / active EE | $8,267 | $6,818+21.2% | $8,087+2.2% | $4,299+92.3% |
| Admin fee / account holder | $5,926 | $5,887+0.7% | $7,899-25.0% | $6,940-14.6% |