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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 | $58,373 | $93,598-37.6% | $135,974-57.1% | $75,173-22.3% |
| Participation rate | 95.8% | 75.2%+20.6pp | 81.9%+13.9pp | 67.2%+28.6pp |
| Annual return | 19.96% | 30.89%-10.9pp | 68.30%-48.3pp | 160.72%-140.8pp |
| Employer contribution / active EE | $5,131 | $3,538+45.0% | $4,859+5.6% | $2,671+92.1% |
| Participant deferral / active EE | $14,061 | $6,405+119.5% | $7,760+81.2% | $4,126+240.8% |
| Admin fee / account holder | $7,876 | $6,978+12.9% | $10,767-26.8% | $5,651+39.4% |