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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 | $80,889 | $78,197+3.4% | $98,090-17.5% | $82,637-2.1% |
| Participation rate | 85.3% | 77.5%+7.9pp | 81.5%+3.8pp | 68.1%+17.3pp |
| Annual return | 18.29% | 40.25%-22.0pp | 37.05%-18.8pp | 53.51%-35.2pp |
| Employer contribution / active EE | $4,675 | $2,605+79.5% | $3,606+29.6% | $2,552+83.2% |
| Participant deferral / active EE | $10,798 | $6,636+62.7% | $7,845+37.6% | $4,126+161.7% |
| Admin fee / account holder | $5,377 | $14,832-63.8% | $11,815-54.5% | $7,339-26.7% |