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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 | $84,756 | $106,864-20.7% | $147,318-42.5% | $82,637+2.6% |
| Participation rate | 79.3% | 75.5%+3.8pp | 82.1%-2.8pp | 68.1%+11.3pp |
| Annual return | 20.85% | 27.49%-6.6pp | 70.43%-49.6pp | 53.51%-32.7pp |
| Employer contribution / active EE | $6,027 | $3,417+76.4% | $4,593+31.2% | $2,552+136.1% |
| Participant deferral / active EE | $13,429 | $6,496+106.7% | $7,906+69.8% | $4,126+225.5% |
| Admin fee / account holder | $5,209 | $8,415-38.1% | $13,708-62.0% | $7,339-29.0% |