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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 | $108,558 | $76,551+41.8% | $123,894-12.4% | $62,881+72.6% |
| Participation rate | 75.8% | 73.0%+2.8pp | 81.4%-5.7pp | 69.3%+6.5pp |
| Annual return | 9.00% | 18.68%-9.7pp | 47.52%-38.5pp | 20.14%-11.1pp |
| Employer contribution / active EE | $2,397 | $2,882-16.8% | $4,617-48.1% | $2,281+5.1% |
| Participant deferral / active EE | $4,288 | $4,840-11.4% | $5,984-28.3% | $3,203+33.9% |
| Admin fee / account holder | $1,241 | $4,826-74.3% | $8,357-85.1% | $4,296-71.1% |