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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 | $112,607 | $93,598+20.3% | $135,974-17.2% | $75,173+49.8% |
| Participation rate | 74.3% | 75.2%-0.9pp | 81.9%-7.6pp | 67.2%+7.1pp |
| Annual return | 21.82% | 30.89%-9.1pp | 68.30%-46.5pp | 160.72%-138.9pp |
| Employer contribution / active EE | $4,222 | $3,538+19.3% | $4,859-13.1% | $2,671+58.1% |
| Participant deferral / active EE | $6,425 | $6,405+0.3% | $7,760-17.2% | $4,126+55.7% |
| Admin fee / account holder | $4,930 | $6,978-29.3% | $10,767-54.2% | $5,651-12.7% |