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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 | $86,616 | $69,444+24.7% | $92,985-6.9% | $87,485-1.0% |
| Participation rate | 75.0% | 63.3%+11.7pp | 69.5%+5.5pp | 68.9%+6.1pp |
| Annual return | 15.36% | 23.85%-8.5pp | 27.99%-12.6pp | 26.06%-10.7pp |
| Employer contribution / active EE | $5,152 | $1,917+168.7% | $2,662+93.5% | $2,596+98.4% |
| Participant deferral / active EE | $6,194 | $3,364+84.1% | $4,377+41.5% | $4,274+44.9% |
| Admin fee / account holder | $8,797 | $6,137+43.3% | $9,463-7.0% | $7,775+13.1% |