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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 | $73,673 | $108,825-32.3% | $156,181-52.8% | $82,448-10.6% |
| Participation rate | 79.4% | 72.4%+7.0pp | 78.8%+0.6pp | 68.1%+11.3pp |
| Annual return | 24.76% | 20.59%+4.2pp | 64.87%-40.1pp | 41.64%-16.9pp |
| Employer contribution / active EE | $4,241 | $2,870+47.8% | $4,294-1.2% | $2,551+66.2% |
| Participant deferral / active EE | $9,540 | $4,577+108.4% | $6,132+55.6% | $4,139+130.5% |
| Admin fee / account holder | $7,684 | $9,341-17.7% | $14,586-47.3% | $7,234+6.2% |