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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 | $74,152 | $201,372-63.2% | $184,260-59.8% | $145,884-49.2% |
| Participation rate | 90.0% | 87.5%+2.5pp | 86.8%+3.2pp | 80.3%+9.7pp |
| Annual return | 21.37% | 29.04%-7.7pp | 28.84%-7.5pp | 551.85%-530.5pp |
| Employer contribution / active EE | $3,977 | $7,024-43.4% | $6,427-38.1% | $4,662-14.7% |
| Participant deferral / active EE | $9,512 | $9,808-3.0% | $9,133+4.2% | $6,690+42.2% |
| Admin fee / account holder | $22,774 | $16,362+39.2% | $13,898+63.9% | $13,392+70.1% |