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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 | $69,197 | $106,749-35.2% | $145,433-52.4% | $82,448-16.1% |
| Participation rate | 92.9% | 75.6%+17.2pp | 82.1%+10.7pp | 68.1%+24.8pp |
| Annual return | 23.65% | 27.59%-3.9pp | 66.58%-42.9pp | 41.64%-18.0pp |
| Employer contribution / active EE | $5,572 | $3,444+61.8% | $4,554+22.3% | $2,551+118.4% |
| Participant deferral / active EE | $9,794 | $6,519+50.2% | $7,897+24.0% | $4,139+136.6% |
| Admin fee / account holder | $935 | $8,390-88.9% | $13,129-92.9% | $7,234-87.1% |