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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 | $64,479 | $93,617-31.1% | $135,982-52.6% | $75,177-14.2% |
| Participation rate | 87.2% | 75.2%+12.0pp | 81.9%+5.3pp | 67.2%+20.0pp |
| Annual return | 22.15% | 30.89%-8.7pp | 68.32%-46.2pp | 160.75%-138.6pp |
| Employer contribution / active EE | $4,969 | $3,538+40.4% | $4,859+2.3% | $2,671+86.0% |
| Participant deferral / active EE | $9,636 | $6,406+50.4% | $7,760+24.2% | $4,126+133.5% |
| Admin fee / account holder | $4,881 | $6,980-30.1% | $10,767-54.7% | $5,651-13.6% |