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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 | $139,257 | $114,712+21.4% | $173,730-19.8% | $87,485+59.2% |
| Participation rate | 88.9% | 73.0%+15.9pp | 79.6%+9.3pp | 68.9%+20.0pp |
| Annual return | 14.35% | 20.18%-5.8pp | 19.96%-5.6pp | 26.06%-11.7pp |
| Employer contribution / active EE | $7,436 | $2,904+156.0% | $4,577+62.4% | $2,596+186.4% |
| Participant deferral / active EE | $6,379 | $4,642+37.4% | $6,326+0.8% | $4,274+49.3% |
| Admin fee / account holder | $8,385 | $10,210-17.9% | $17,523-52.1% | $7,775+7.8% |