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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 | $107,368 | $88,707+21.0% | $74,184+44.7% | $273,972-60.8% |
| Participation rate | 94.7% | 79.4%+15.3pp | 76.6%+18.1pp | 83.0%+11.7pp |
| Annual return | 8.55% | 11.94%-3.4pp | 17.74%-9.2pp | 41.46%-32.9pp |
| Employer contribution / active EE | $2,510 | $3,159-20.6% | $2,370+5.9% | $4,869-48.5% |
| Participant deferral / active EE | $6,839 | $4,212+62.4% | $3,550+92.7% | $5,287+29.3% |
| Admin fee / account holder | $3,374 | $8,717-61.3% | $5,586-39.6% | $10,133-66.7% |