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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 | $69,266 | $63,082+9.8% | $81,726-15.2% | $79,856-13.3% |
| Participation rate | 94.3% | 67.5%+26.8pp | 72.0%+22.3pp | 69.6%+24.6pp |
| Annual return | 15.38% | 22.66%-7.3pp | 29.49%-14.1pp | 31.71%-16.3pp |
| Employer contribution / active EE | $4,693 | $1,795+161.4% | $4,311+8.9% | $2,471+89.9% |
| Participant deferral / active EE | $3,589 | $2,780+29.1% | $7,108-49.5% | $3,741-4.1% |
| Admin fee / account holder | $10,880 | $4,428+145.7% | $5,160+110.9% | $5,306+105.0% |