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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 | $83,864 | $73,787+13.7% | $98,716-15.0% | $82,448+1.7% |
| Participation rate | 71.7% | 61.4%+10.3pp | 69.3%+2.4pp | 68.1%+3.7pp |
| Annual return | 14.99% | 18.57%-3.6pp | 31.81%-16.8pp | 41.64%-26.6pp |
| Employer contribution / active EE | $4,307 | $1,511+185.0% | $2,279+89.0% | $2,551+68.8% |
| Participant deferral / active EE | $5,083 | $3,081+64.9% | $4,048+25.6% | $4,139+22.8% |
| Admin fee / account holder | $10,355 | $6,500+59.3% | $8,703+19.0% | $7,234+43.1% |