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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 | $63,263 | $115,931-45.4% | $185,441-65.9% | $86,983-27.3% |
| Participation rate | 88.2% | 73.6%+14.6pp | 80.3%+8.0pp | 69.5%+18.7pp |
| Annual return | 15.94% | 21.47%-5.5pp | 20.16%-4.2pp | 25.83%-9.9pp |
| Employer contribution / active EE | $6,998 | $2,937+138.3% | $4,672+49.8% | $2,584+170.8% |
| Participant deferral / active EE | $5,528 | $4,551+21.5% | $6,152-10.1% | $4,194+31.8% |
| Admin fee / account holder | $9,253 | $10,687-13.4% | $17,890-48.3% | $7,856+17.8% |