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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 | $80,094 | $106,524-24.8% | $152,301-47.4% | $87,485-8.4% |
| Participation rate | 88.9% | 75.8%+13.1pp | 82.4%+6.4pp | 68.9%+20.0pp |
| Annual return | 15.27% | 26.89%-11.6pp | 80.50%-65.2pp | 26.06%-10.8pp |
| Employer contribution / active EE | $4,063 | $3,371+20.5% | $4,624-12.1% | $2,596+56.5% |
| Participant deferral / active EE | $3,547 | $6,525-45.6% | $8,004-55.7% | $4,274-17.0% |
| Admin fee / account holder | $15,737 | $8,287+89.9% | $14,398+9.3% | $7,775+102.4% |