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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 | $74,441 | $106,749-30.3% | $145,433-48.8% | $82,448-9.7% |
| Participation rate | 89.5% | 75.6%+13.8pp | 82.1%+7.4pp | 68.1%+21.4pp |
| Annual return | 15.90% | 27.59%-11.7pp | 66.58%-50.7pp | 41.64%-25.7pp |
| Employer contribution / active EE | $5,641 | $3,444+63.8% | $4,554+23.9% | $2,551+121.1% |
| Participant deferral / active EE | $11,729 | $6,519+79.9% | $7,897+48.5% | $4,139+183.4% |
| Admin fee / account holder | $3,308 | $8,390-60.6% | $13,129-74.8% | $7,234-54.3% |