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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 | $44,096 | $106,749-58.7% | $145,433-69.7% | $82,448-46.5% |
| Participation rate | 88.9% | 75.6%+13.2pp | 82.1%+6.8pp | 68.1%+20.8pp |
| Annual return | 15.66% | 27.59%-11.9pp | 66.58%-50.9pp | 41.64%-26.0pp |
| Employer contribution / active EE | $5,226 | $3,444+51.7% | $4,554+14.7% | $2,551+104.9% |
| Participant deferral / active EE | $7,553 | $6,519+15.9% | $7,897-4.4% | $4,139+82.5% |
| Admin fee / account holder | $11,499 | $8,390+37.1% | $13,129-12.4% | $7,234+59.0% |