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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 | $123,879 | $93,598+32.4% | $135,974-8.9% | $75,173+64.8% |
| Participation rate | 70.4% | 75.2%-4.8pp | 81.9%-11.5pp | 67.2%+3.2pp |
| Annual return | 26.26% | 30.89%-4.6pp | 68.30%-42.0pp | 160.72%-134.5pp |
| Employer contribution / active EE | $4,730 | $3,538+33.7% | $4,859-2.7% | $2,671+77.1% |
| Participant deferral / active EE | $9,305 | $6,405+45.3% | $7,760+19.9% | $4,126+125.5% |
| Admin fee / account holder | $7,652 | $6,978+9.7% | $10,767-28.9% | $5,651+35.4% |