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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 | $106,040 | $93,055+14.0% | $153,741-31.0% | $80,959+31.0% |
| Participation rate | 81.6% | 69.0%+12.6pp | 77.1%+4.5pp | 67.7%+13.9pp |
| Annual return | 12.56% | 19.97%-7.4pp | 15.71%-3.2pp | 35.67%-23.1pp |
| Employer contribution / active EE | $3,202 | $3,504-8.6% | $5,042-36.5% | $2,757+16.1% |
| Participant deferral / active EE | $2,949 | $5,172-43.0% | $6,757-56.4% | $4,300-31.4% |
| Admin fee / account holder | $10,206 | $8,881+14.9% | $12,749-19.9% | $6,925+47.4% |