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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 | $78,371 | $124,425-37.0% | $112,040-30.1% | $137,256-42.9% |
| Participation rate | 87.5% | 79.3%+8.2pp | 76.5%+11.0pp | 80.0%+7.5pp |
| Annual return | 15.87% | 24.72%-8.8pp | 24.52%-8.6pp | 220.34%-204.5pp |
| Employer contribution / active EE | $5,052 | $3,411+48.1% | $2,954+71.0% | $4,156+21.5% |
| Participant deferral / active EE | $11,258 | $5,718+96.9% | $5,098+120.8% | $6,407+75.7% |
| Admin fee / account holder | $21,914 | $15,207+44.1% | $12,098+81.1% | $12,270+78.6% |