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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 | $128,092 | $93,598+36.9% | $135,974-5.8% | $75,173+70.4% |
| Participation rate | 89.6% | 75.2%+14.4pp | 81.9%+7.7pp | 67.2%+22.4pp |
| Annual return | 18.86% | 30.89%-12.0pp | 68.30%-49.4pp | 160.72%-141.9pp |
| Employer contribution / active EE | $2,768 | $3,538-21.7% | $4,859-43.0% | $2,671+3.6% |
| Participant deferral / active EE | $5,125 | $6,405-20.0% | $7,760-34.0% | $4,126+24.2% |
| Admin fee / account holder | $13,842 | $6,978+98.4% | $10,767+28.6% | $5,651+145.0% |