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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 | $143,969-64.0% | $199,883-74.1% | $82,637-37.3% |
| Participation rate | 83.3% | 84.1%-0.8pp | 86.8%-3.4pp | 68.1%+15.3pp |
| Annual return | 19.48% | 25.67%-6.2pp | 43.81%-24.3pp | 53.51%-34.0pp |
| Employer contribution / active EE | $6,208 | $4,632+34.0% | $6,261-0.8% | $2,552+143.3% |
| Participant deferral / active EE | $9,549 | $6,937+37.6% | $9,138+4.5% | $4,126+131.4% |
| Admin fee / account holder | $3,140 | $14,597-78.5% | $17,268-81.8% | $7,339-57.2% |