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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 | $106,864-30.3% | $147,318-49.5% | $82,637-9.9% |
| Participation rate | 89.5% | 75.5%+14.0pp | 82.1%+7.4pp | 68.1%+21.4pp |
| Annual return | 15.90% | 27.49%-11.6pp | 70.43%-54.5pp | 53.51%-37.6pp |
| Employer contribution / active EE | $5,641 | $3,417+65.1% | $4,593+22.8% | $2,552+121.0% |
| Participant deferral / active EE | $11,729 | $6,496+80.6% | $7,906+48.3% | $4,126+184.3% |
| Admin fee / account holder | $3,308 | $8,415-60.7% | $13,708-75.9% | $7,339-54.9% |