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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 | $111,873 | $106,524+5.0% | $152,301-26.5% | $87,485+27.9% |
| Participation rate | 88.9% | 75.8%+13.1pp | 82.4%+6.4pp | 68.9%+20.0pp |
| Annual return | 14.30% | 26.89%-12.6pp | 80.50%-66.2pp | 26.06%-11.8pp |
| Employer contribution / active EE | $6,344 | $3,371+88.2% | $4,624+37.2% | $2,596+144.3% |
| Participant deferral / active EE | $3,974 | $6,525-39.1% | $8,004-50.3% | $4,274-7.0% |
| Admin fee / account holder | $11,123 | $8,287+34.2% | $14,398-22.7% | $7,775+43.1% |