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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 | $78,520+3.0% | $96,576-16.2% | $82,448-1.9% |
| Participation rate | 85.3% | 77.7%+7.6pp | 81.4%+3.9pp | 68.1%+17.3pp |
| Annual return | 18.29% | 41.30%-23.0pp | 38.47%-20.2pp | 41.64%-23.4pp |
| Employer contribution / active EE | $4,675 | $2,630+77.8% | $3,553+31.6% | $2,551+83.3% |
| Participant deferral / active EE | $10,798 | $6,754+59.9% | $7,956+35.7% | $4,139+160.9% |
| Admin fee / account holder | $5,377 | $13,455-60.0% | $11,381-52.8% | $7,234-25.7% |