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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 | $89,480 | $106,864-16.3% | $147,318-39.3% | $82,637+8.3% |
| Participation rate | 84.3% | 75.5%+8.8pp | 82.1%+2.2pp | 68.1%+16.2pp |
| Annual return | 21.88% | 27.49%-5.6pp | 70.43%-48.6pp | 53.51%-31.6pp |
| Employer contribution / active EE | $5,622 | $3,417+64.5% | $4,593+22.4% | $2,552+120.3% |
| Participant deferral / active EE | $12,573 | $6,496+93.6% | $7,906+59.0% | $4,126+204.7% |
| Admin fee / account holder | $5,080 | $8,415-39.6% | $13,708-62.9% | $7,339-30.8% |