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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 | $63,241 | $106,749-40.8% | $145,433-56.5% | $82,448-23.3% |
| Participation rate | 85.7% | 75.6%+10.1pp | 82.1%+3.6pp | 68.1%+17.6pp |
| Annual return | 20.13% | 27.59%-7.5pp | 66.58%-46.4pp | 41.64%-21.5pp |
| Employer contribution / active EE | $4,719 | $3,444+37.0% | $4,554+3.6% | $2,551+85.0% |
| Participant deferral / active EE | $10,987 | $6,519+68.5% | $7,897+39.1% | $4,139+165.4% |
| Admin fee / account holder | $5,366 | $8,390-36.0% | $13,129-59.1% | $7,234-25.8% |