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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 | $63,837 | $93,617-31.8% | $135,982-53.1% | $75,177-15.1% |
| Participation rate | 85.5% | 75.2%+10.3pp | 81.9%+3.5pp | 67.2%+18.2pp |
| Annual return | 24.16% | 30.89%-6.7pp | 68.32%-44.2pp | 160.75%-136.6pp |
| Employer contribution / active EE | $5,352 | $3,538+51.3% | $4,859+10.2% | $2,671+100.4% |
| Participant deferral / active EE | $5,745 | $6,406-10.3% | $7,760-26.0% | $4,126+39.2% |
| Admin fee / account holder | $986 | $6,980-85.9% | $10,767-90.8% | $5,651-82.5% |