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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 | $61,147 | $106,749-42.7% | $145,433-58.0% | $82,448-25.8% |
| Participation rate | 90.6% | 75.6%+15.0pp | 82.1%+8.5pp | 68.1%+22.6pp |
| Annual return | 19.87% | 27.59%-7.7pp | 66.58%-46.7pp | 41.64%-21.8pp |
| Employer contribution / active EE | $3,608 | $3,444+4.7% | $4,554-20.8% | $2,551+41.4% |
| Participant deferral / active EE | $10,968 | $6,519+68.3% | $7,897+38.9% | $4,139+165.0% |
| Admin fee / account holder | $903 | $8,390-89.2% | $13,129-93.1% | $7,234-87.5% |