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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 | $106,524-28.2% | $152,301-49.8% | $87,485-12.6% |
| Participation rate | 85.7% | 75.8%+10.0pp | 82.4%+3.3pp | 68.9%+16.8pp |
| Annual return | 19.65% | 26.89%-7.2pp | 80.50%-60.8pp | 26.06%-6.4pp |
| Employer contribution / active EE | $4,469 | $3,371+32.6% | $4,624-3.4% | $2,596+72.1% |
| Participant deferral / active EE | $10,639 | $6,525+63.1% | $8,004+32.9% | $4,274+149.0% |
| Admin fee / account holder | $1,023 | $8,287-87.7% | $14,398-92.9% | $7,775-86.8% |