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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 | $84,681 | $87,834-3.6% | $133,975-36.8% | $62,881+34.7% |
| Participation rate | 72.5% | 83.4%-10.8pp | 87.1%-14.5pp | 69.3%+3.2pp |
| Annual return | 15.34% | 12.05%+3.3pp | 29.29%-14.0pp | 20.14%-4.8pp |
| Employer contribution / active EE | $6,546 | $3,482+88.0% | $5,211+25.6% | $2,281+187.0% |
| Participant deferral / active EE | $10,532 | $4,812+118.9% | $6,282+67.7% | $3,203+228.8% |
| Admin fee / account holder | $6,386 | $5,372+18.9% | $9,324-31.5% | $4,296+48.7% |