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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 | $57,778 | $87,166-33.7% | $76,735-24.7% | $137,256-57.9% |
| Participation rate | 83.3% | 74.4%+9.0pp | 69.5%+13.8pp | 80.0%+3.4pp |
| Annual return | 18.20% | 26.50%-8.3pp | 29.77%-11.6pp | 220.34%-202.1pp |
| Employer contribution / active EE | $4,384 | $2,904+51.0% | $2,454+78.6% | $4,156+5.5% |
| Participant deferral / active EE | $9,293 | $4,726+96.6% | $4,088+127.3% | $6,407+45.0% |
| Admin fee / account holder | $9,773 | $8,403+16.3% | $7,189+35.9% | $12,270-20.4% |