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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 | $72,693 | $106,524-31.8% | $152,301-52.3% | $87,485-16.9% |
| Participation rate | 75.9% | 75.8%+0.1pp | 82.4%-6.6pp | 68.9%+6.9pp |
| Annual return | 16.62% | 26.89%-10.3pp | 80.50%-63.9pp | 26.06%-9.4pp |
| Employer contribution / active EE | $5,225 | $3,371+55.0% | $4,624+13.0% | $2,596+101.2% |
| Participant deferral / active EE | $12,943 | $6,525+98.4% | $8,004+61.7% | $4,274+202.9% |
| Admin fee / account holder | $18,008 | $8,287+117.3% | $14,398+25.1% | $7,775+131.6% |