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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 | $134,650 | $106,524+26.4% | $152,301-11.6% | $87,485+53.9% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.4%-2.4pp | 68.9%+11.1pp |
| Annual return | 15.57% | 26.89%-11.3pp | 80.50%-64.9pp | 26.06%-10.5pp |
| Employer contribution / active EE | $5,570 | $3,371+65.2% | $4,624+20.4% | $2,596+114.5% |
| Participant deferral / active EE | $5,024 | $6,525-23.0% | $8,004-37.2% | $4,274+17.6% |
| Admin fee / account holder | $1,637 | $8,287-80.2% | $14,398-88.6% | $7,775-78.9% |