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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 | $61,341 | $106,749-42.5% | $145,433-57.8% | $82,448-25.6% |
| Participation rate | 92.0% | 75.6%+16.4pp | 82.1%+9.9pp | 68.1%+23.9pp |
| Annual return | 16.26% | 27.59%-11.3pp | 66.58%-50.3pp | 41.64%-25.4pp |
| Employer contribution / active EE | $1,259 | $3,444-63.5% | $4,554-72.4% | $2,551-50.7% |
| Participant deferral / active EE | $9,273 | $6,519+42.3% | $7,897+17.4% | $4,139+124.0% |
| Admin fee / account holder | $9,567 | $8,390+14.0% | $13,129-27.1% | $7,234+32.2% |