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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 | $86,190 | $83,485+3.2% | $125,195-31.2% | $72,976+18.1% |
| Participation rate | 91.7% | 73.3%+18.4pp | 79.8%+11.9pp | 69.5%+22.2pp |
| Annual return | 19.47% | 25.77%-6.3pp | 43.79%-24.3pp | 81.02%-61.5pp |
| Employer contribution / active EE | $3,530 | $2,346+50.5% | $3,866-8.7% | $2,440+44.7% |
| Participant deferral / active EE | $7,383 | $3,586+105.9% | $4,937+49.5% | $3,608+104.6% |
| Admin fee / account holder | $9,448 | $5,518+71.2% | $9,704-2.6% | $5,124+84.4% |