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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 | $109,328 | $86,919+25.8% | $102,457+6.7% | $80,911+35.1% |
| Participation rate | 72.0% | 72.4%-0.4pp | 76.5%-4.5pp | 67.6%+4.4pp |
| Annual return | 21.16% | 18.90%+2.3pp | 29.41%-8.3pp | 35.63%-14.5pp |
| Employer contribution / active EE | $2,923 | $2,368+23.4% | $3,022-3.3% | $2,756+6.1% |
| Participant deferral / active EE | $5,305 | $4,119+28.8% | $5,054+5.0% | $4,297+23.5% |
| Admin fee / account holder | $3,902 | $8,049-51.5% | $9,451-58.7% | $6,935-43.7% |