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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 | $78,112 | $71,230+9.7% | $93,727-16.7% | $80,959-3.5% |
| Participation rate | 73.7% | 60.4%+13.3pp | 68.7%+5.0pp | 67.7%+6.0pp |
| Annual return | 15.78% | 11.26%+4.5pp | 133.83%-118.0pp | 35.67%-19.9pp |
| Employer contribution / active EE | $2,457 | $1,565+56.9% | $2,421+1.5% | $2,757-10.9% |
| Participant deferral / active EE | $5,541 | $4,037+37.2% | $4,417+25.4% | $4,300+28.8% |
| Admin fee / account holder | $9,202 | $6,961+32.2% | $8,292+11.0% | $6,925+32.9% |