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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 | $55,742 | $84,953-34.4% | $163,379-65.9% | $82,637-32.5% |
| Participation rate | 83.0% | 65.9%+17.1pp | 76.8%+6.2pp | 68.1%+15.0pp |
| Annual return | 17.36% | 23.07%-5.7pp | 63.41%-46.0pp | 53.51%-36.1pp |
| Employer contribution / active EE | $5,859 | $2,183+168.4% | $3,752+56.1% | $2,552+129.6% |
| Participant deferral / active EE | $8,532 | $4,326+97.2% | $6,282+35.8% | $4,126+106.8% |
| Admin fee / account holder | $11,196 | $7,921+41.3% | $9,818+14.0% | $7,339+52.6% |