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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 | $58,746 | $93,617-37.2% | $135,982-56.8% | $75,177-21.9% |
| Participation rate | 91.1% | 75.2%+15.9pp | 81.9%+9.1pp | 67.2%+23.9pp |
| Annual return | 24.03% | 30.89%-6.9pp | 68.32%-44.3pp | 160.75%-136.7pp |
| Employer contribution / active EE | $5,176 | $3,538+46.3% | $4,859+6.5% | $2,671+93.8% |
| Participant deferral / active EE | $9,345 | $6,406+45.9% | $7,760+20.4% | $4,126+126.5% |
| Admin fee / account holder | $3,455 | $6,980-50.5% | $10,767-67.9% | $5,651-38.9% |