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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 | $134,412 | $81,476+65.0% | $102,383+31.3% | $80,925+66.1% |
| Participation rate | 76.5% | 66.8%+9.6pp | 74.5%+2.0pp | 67.7%+8.8pp |
| Annual return | 18.09% | 25.59%-7.5pp | 24.94%-6.8pp | 35.65%-17.6pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $6,730 | $3,871+73.8% | $5,060+33.0% | $4,299+56.6% |
| Admin fee / account holder | $9,145 | $6,717+36.1% | $8,391+9.0% | $6,940+31.8% |