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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 | $126,132 | $104,098+21.2% | $140,514-10.2% | $94,015+34.2% |
| Participation rate | 93.3% | 73.7%+19.6pp | 77.8%+15.5pp | 70.8%+22.5pp |
| Annual return | 17.01% | 15.14%+1.9pp | 14.36%+2.7pp | 17.84%-0.8pp |
| Employer contribution / active EE | $4,064 | $2,388+70.2% | $3,378+20.3% | $2,790+45.7% |
| Participant deferral / active EE | $8,122 | $4,033+101.4% | $4,919+65.1% | $4,249+91.1% |
| Admin fee / account holder | $1,083 | $10,439-89.6% | $13,697-92.1% | $8,951-87.9% |