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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 | $71,704 | $77,492-7.5% | $100,398-28.6% | $80,911-11.4% |
| Participation rate | 73.3% | 76.9%-3.7pp | 81.5%-8.2pp | 67.6%+5.6pp |
| Annual return | 16.97% | 37.23%-20.3pp | 49.32%-32.3pp | 35.63%-18.7pp |
| Employer contribution / active EE | $4,317 | $2,800+54.2% | $3,946+9.4% | $2,756+56.7% |
| Participant deferral / active EE | $10,716 | $6,817+57.2% | $8,084+32.6% | $4,297+149.4% |
| Admin fee / account holder | $8,128 | $5,892+38.0% | $7,893+3.0% | $6,935+17.2% |