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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 | $109,778 | $106,524+3.1% | $152,301-27.9% | $87,485+25.5% |
| Participation rate | 89.7% | 75.8%+14.0pp | 82.4%+7.3pp | 68.9%+20.8pp |
| Annual return | 19.54% | 26.89%-7.3pp | 80.50%-61.0pp | 26.06%-6.5pp |
| Employer contribution / active EE | $8,126 | $3,371+141.0% | $4,624+75.7% | $2,596+213.0% |
| Participant deferral / active EE | $4,460 | $6,525-31.6% | $8,004-44.3% | $4,274+4.4% |
| Admin fee / account holder | $1,924 | $8,287-76.8% | $14,398-86.6% | $7,775-75.3% |