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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 | $76,296 | $87,878-13.2% | $97,411-21.7% | $82,637-7.7% |
| Participation rate | 77.1% | 75.6%+1.6pp | 80.4%-3.2pp | 68.1%+9.1pp |
| Annual return | 15.28% | 54.63%-39.3pp | 34.72%-19.4pp | 53.51%-38.2pp |
| Employer contribution / active EE | $4,059 | $3,800+6.8% | $4,210-3.6% | $2,552+59.1% |
| Participant deferral / active EE | $8,697 | $5,525+57.4% | $5,886+47.8% | $4,126+110.8% |
| Admin fee / account holder | $11,086 | $6,743+64.4% | $7,145+55.2% | $7,339+51.1% |