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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 | $95,836 | $101,778-5.8% | $164,975-41.9% | $80,925+18.4% |
| Participation rate | 90.4% | 71.8%+18.6pp | 78.6%+11.8pp | 67.7%+22.7pp |
| Annual return | 22.76% | 16.73%+6.0pp | 70.12%-47.4pp | 35.65%-12.9pp |
| Employer contribution / active EE | $3,576 | $2,954+21.1% | $4,343-17.7% | $2,756+29.7% |
| Participant deferral / active EE | $3,344 | $4,477-25.3% | $6,033-44.6% | $4,299-22.2% |
| Admin fee / account holder | $8,008 | $8,221-2.6% | $12,688-36.9% | $6,940+15.4% |