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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 | $71,356 | $93,598-23.8% | $135,974-47.5% | $75,173-5.1% |
| Participation rate | 78.8% | 75.2%+3.6pp | 81.9%-3.1pp | 67.2%+11.6pp |
| Annual return | 22.67% | 30.89%-8.2pp | 68.30%-45.6pp | 160.72%-138.0pp |
| Employer contribution / active EE | $4,781 | $3,538+35.1% | $4,859-1.6% | $2,671+79.0% |
| Participant deferral / active EE | $11,015 | $6,405+72.0% | $7,760+41.9% | $4,126+167.0% |
| Admin fee / account holder | $965 | $6,978-86.2% | $10,767-91.0% | $5,651-82.9% |