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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 | $51,855 | $145,431-64.3% | $211,142-75.4% | $87,485-40.7% |
| Participation rate | 83.3% | 84.7%-1.4pp | 87.3%-4.0pp | 68.9%+14.4pp |
| Annual return | 19.48% | 27.21%-7.7pp | 46.84%-27.4pp | 26.06%-6.6pp |
| Employer contribution / active EE | $6,208 | $4,662+33.2% | $6,442-3.6% | $2,596+139.1% |
| Participant deferral / active EE | $9,549 | $6,859+39.2% | $9,284+2.9% | $4,274+123.4% |
| Admin fee / account holder | $3,140 | $17,052-81.6% | $19,076-83.5% | $7,775-59.6% |