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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 | $66,237 | $77,492-14.5% | $100,398-34.0% | $80,911-18.1% |
| Participation rate | 83.3% | 76.9%+6.4pp | 81.5%+1.8pp | 67.6%+15.7pp |
| Annual return | 12.91% | 37.23%-24.3pp | 49.32%-36.4pp | 35.63%-22.7pp |
| Employer contribution / active EE | $3,357 | $2,800+19.9% | $3,946-14.9% | $2,756+21.8% |
| Participant deferral / active EE | $10,156 | $6,817+49.0% | $8,084+25.6% | $4,297+136.3% |
| Admin fee / account holder | $13,296 | $5,892+125.7% | $7,893+68.4% | $6,935+91.7% |