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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 | $123,705 | $93,598+32.2% | $135,974-9.0% | $75,173+64.6% |
| Participation rate | 97.0% | 75.2%+21.8pp | 81.9%+15.1pp | 67.2%+29.8pp |
| Annual return | 21.17% | 30.89%-9.7pp | 68.30%-47.1pp | 160.72%-139.6pp |
| Employer contribution / active EE | $2,369 | $3,538-33.1% | $4,859-51.3% | $2,671-11.3% |
| Participant deferral / active EE | $9,141 | $6,405+42.7% | $7,760+17.8% | $4,126+121.5% |
| Admin fee / account holder | $6,428 | $6,978-7.9% | $10,767-40.3% | $5,651+13.8% |