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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 | $59,489 | $93,598-36.4% | $135,974-56.2% | $75,173-20.9% |
| Participation rate | 89.5% | 75.2%+14.3pp | 81.9%+7.6pp | 67.2%+22.3pp |
| Annual return | 17.08% | 30.89%-13.8pp | 68.30%-51.2pp | 160.72%-143.6pp |
| Employer contribution / active EE | $4,288 | $3,538+21.2% | $4,859-11.7% | $2,671+60.6% |
| Participant deferral / active EE | $10,336 | $6,405+61.4% | $7,760+33.2% | $4,126+150.5% |
| Admin fee / account holder | $2,716 | $6,978-61.1% | $10,767-74.8% | $5,651-51.9% |