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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 | $76,442 | $106,749-28.4% | $145,433-47.4% | $82,448-7.3% |
| Participation rate | 89.4% | 75.6%+13.7pp | 82.1%+7.2pp | 68.1%+21.3pp |
| Annual return | 15.97% | 27.59%-11.6pp | 66.58%-50.6pp | 41.64%-25.7pp |
| Employer contribution / active EE | $2,737 | $3,444-20.5% | $4,554-39.9% | $2,551+7.3% |
| Participant deferral / active EE | $8,765 | $6,519+34.5% | $7,897+11.0% | $4,139+111.8% |
| Admin fee / account holder | $4,709 | $8,390-43.9% | $13,129-64.1% | $7,234-34.9% |