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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 | $76,454 | $106,749-28.4% | $145,433-47.4% | $82,448-7.3% |
| Participation rate | 85.7% | 75.6%+10.1pp | 82.1%+3.6pp | 68.1%+17.6pp |
| Annual return | 19.65% | 27.59%-7.9pp | 66.58%-46.9pp | 41.64%-22.0pp |
| Employer contribution / active EE | $4,469 | $3,444+29.8% | $4,554-1.9% | $2,551+75.2% |
| Participant deferral / active EE | $10,639 | $6,519+63.2% | $7,897+34.7% | $4,139+157.0% |
| Admin fee / account holder | $1,023 | $8,390-87.8% | $13,129-92.2% | $7,234-85.9% |