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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 | $104,332 | $101,795+2.5% | $165,100-36.8% | $80,959+28.9% |
| Participation rate | 75.7% | 71.8%+3.8pp | 78.6%-2.9pp | 67.7%+8.0pp |
| Annual return | 19.01% | 16.73%+2.3pp | 70.21%-51.2pp | 35.67%-16.7pp |
| Employer contribution / active EE | $3,272 | $2,954+10.8% | $4,348-24.7% | $2,757+18.7% |
| Participant deferral / active EE | $9,521 | $4,476+112.7% | $6,035+57.7% | $4,300+121.4% |
| Admin fee / account holder | $649 | $8,221-92.1% | $12,696-94.9% | $6,925-90.6% |