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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 | $73,554 | $106,749-31.1% | $145,433-49.4% | $82,448-10.8% |
| Participation rate | 83.8% | 75.6%+8.2pp | 82.1%+1.7pp | 68.1%+15.8pp |
| Annual return | 21.89% | 27.59%-5.7pp | 66.58%-44.7pp | 41.64%-19.7pp |
| Employer contribution / active EE | $5,083 | $3,444+47.6% | $4,554+11.6% | $2,551+99.2% |
| Participant deferral / active EE | $10,833 | $6,519+66.2% | $7,897+37.2% | $4,139+161.7% |
| Admin fee / account holder | $4,522 | $8,390-46.1% | $13,129-65.6% | $7,234-37.5% |