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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 | $105,727 | $106,749-1.0% | $145,433-27.3% | $82,448+28.2% |
| Participation rate | 88.3% | 75.6%+12.7pp | 82.1%+6.2pp | 68.1%+20.3pp |
| Annual return | 32.16% | 27.59%+4.6pp | 66.58%-34.4pp | 41.64%-9.5pp |
| Employer contribution / active EE | $3,948 | $3,444+14.6% | $4,554-13.3% | $2,551+54.8% |
| Participant deferral / active EE | $11,859 | $6,519+81.9% | $7,897+50.2% | $4,139+186.5% |
| Admin fee / account holder | $3,969 | $8,390-52.7% | $13,129-69.8% | $7,234-45.1% |