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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 | $128,071 | $81,358+57.4% | $155,556-17.7% | $80,959+58.2% |
| Participation rate | 92.0% | 66.3%+25.7pp | 78.2%+13.8pp | 67.7%+24.3pp |
| Annual return | 11.61% | 33.39%-21.8pp | 64.84%-53.2pp | 35.67%-24.1pp |
| Employer contribution / active EE | $3,197 | $3,106+2.9% | $4,675-31.6% | $2,757+15.9% |
| Participant deferral / active EE | $7,896 | $3,455+128.5% | $5,631+40.2% | $4,300+83.6% |
| Admin fee / account holder | $6,509 | $7,994-18.6% | $15,885-59.0% | $6,925-6.0% |