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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 | $68,759 | $93,617-26.6% | $135,982-49.4% | $75,177-8.5% |
| Participation rate | 80.0% | 75.2%+4.8pp | 81.9%-1.9pp | 67.2%+12.8pp |
| Annual return | 31.99% | 30.89%+1.1pp | 68.32%-36.3pp | 160.75%-128.8pp |
| Employer contribution / active EE | $4,738 | $3,538+33.9% | $4,859-2.5% | $2,671+77.4% |
| Participant deferral / active EE | $9,596 | $6,406+49.8% | $7,760+23.7% | $4,126+132.6% |
| Admin fee / account holder | $1,135 | $6,980-83.7% | $10,767-89.5% | $5,651-79.9% |