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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 | $53,226 | $78,670-32.3% | $109,173-51.2% | $85,847-38.0% |
| Participation rate | 87.5% | 68.3%+19.2pp | 75.9%+11.6pp | 69.3%+18.2pp |
| Annual return | 12.10% | 25.09%-13.0pp | 25.75%-13.7pp | 318.61%-306.5pp |
| Employer contribution / active EE | $3,458 | $2,734+26.5% | $3,723-7.1% | $2,565+34.8% |
| Participant deferral / active EE | $9,126 | $3,467+163.2% | $4,654+96.1% | $3,952+130.9% |
| Admin fee / account holder | $6,144 | $5,469+12.3% | $6,755-9.0% | $6,261-1.9% |