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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 | $92,509 | $106,749-13.3% | $145,433-36.4% | $82,448+12.2% |
| Participation rate | 96.3% | 75.6%+20.6pp | 82.1%+14.2pp | 68.1%+28.2pp |
| Annual return | 17.04% | 27.59%-10.6pp | 66.58%-49.5pp | 41.64%-24.6pp |
| Employer contribution / active EE | $8,574 | $3,444+148.9% | $4,554+88.3% | $2,551+236.1% |
| Participant deferral / active EE | $8,276 | $6,519+27.0% | $7,897+4.8% | $4,139+99.9% |
| Admin fee / account holder | $7,004 | $8,390-16.5% | $13,129-46.7% | $7,234-3.2% |