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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 | $51,542 | $93,598-44.9% | $135,974-62.1% | $75,173-31.4% |
| Participation rate | 89.9% | 75.2%+14.7pp | 81.9%+7.9pp | 67.2%+22.7pp |
| Annual return | 17.66% | 30.89%-13.2pp | 68.30%-50.6pp | 160.72%-143.1pp |
| Employer contribution / active EE | $4,054 | $3,538+14.6% | $4,859-16.6% | $2,671+51.8% |
| Participant deferral / active EE | $9,447 | $6,405+47.5% | $7,760+21.7% | $4,126+129.0% |
| Admin fee / account holder | $8,954 | $6,978+28.3% | $10,767-16.8% | $5,651+58.5% |