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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 | $93,692-18.6% | $116,538-34.5% | $86,983-12.3% |
| Participation rate | 77.1% | 79.6%-2.5pp | 82.6%-5.4pp | 69.5%+7.6pp |
| Annual return | 15.28% | 26.00%-10.7pp | 17.97%-2.7pp | 25.83%-10.5pp |
| Employer contribution / active EE | $4,059 | $3,831+6.0% | $4,541-10.6% | $2,584+57.1% |
| Participant deferral / active EE | $8,697 | $5,612+55.0% | $6,207+40.1% | $4,194+107.4% |
| Admin fee / account holder | $11,086 | $7,586+46.1% | $8,737+26.9% | $7,856+41.1% |