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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 | $106,864-1.1% | $147,318-28.2% | $82,637+27.9% |
| Participation rate | 88.3% | 75.5%+12.8pp | 82.1%+6.3pp | 68.1%+20.3pp |
| Annual return | 32.16% | 27.49%+4.7pp | 70.43%-38.3pp | 53.51%-21.3pp |
| Employer contribution / active EE | $3,948 | $3,417+15.5% | $4,593-14.0% | $2,552+54.7% |
| Participant deferral / active EE | $11,859 | $6,496+82.6% | $7,906+50.0% | $4,126+187.4% |
| Admin fee / account holder | $3,969 | $8,415-52.8% | $13,708-71.0% | $7,339-45.9% |