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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 | $65,116 | $106,524-38.9% | $152,301-57.2% | $87,485-25.6% |
| Participation rate | 74.2% | 75.8%-1.6pp | 82.4%-8.3pp | 68.9%+5.3pp |
| Annual return | 25.31% | 26.89%-1.6pp | 80.50%-55.2pp | 26.06%-0.8pp |
| Employer contribution / active EE | $6,012 | $3,371+78.3% | $4,624+30.0% | $2,596+131.6% |
| Participant deferral / active EE | $10,983 | $6,525+68.3% | $8,004+37.2% | $4,274+157.0% |
| Admin fee / account holder | $1,314 | $8,287-84.1% | $14,398-90.9% | $7,775-83.1% |