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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 | $73,345 | $182,442-59.8% | $163,379-55.1% | $138,895-47.2% |
| Participation rate | 83.3% | 79.8%+3.6pp | 76.8%+6.5pp | 79.9%+3.4pp |
| Annual return | 12.20% | 72.74%-60.5pp | 63.41%-51.2pp | 145.39%-133.2pp |
| Employer contribution / active EE | $8,689 | $4,159+108.9% | $3,752+131.6% | $4,194+107.2% |
| Participant deferral / active EE | $14,621 | $6,817+114.5% | $6,282+132.8% | $6,396+128.6% |
| Admin fee / account holder | $581 | $10,396-94.4% | $9,818-94.1% | $12,562-95.4% |