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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 | $105,905 | $70,486+50.3% | $100,535+5.3% | $79,856+32.6% |
| Participation rate | 92.7% | 73.6%+19.0pp | 79.4%+13.3pp | 69.6%+23.0pp |
| Annual return | 16.63% | 21.90%-5.3pp | 30.90%-14.3pp | 31.71%-15.1pp |
| Employer contribution / active EE | $1,959 | $2,165-9.5% | $3,419-42.7% | $2,471-20.7% |
| Participant deferral / active EE | $4,029 | $5,182-22.3% | $6,271-35.8% | $3,741+7.7% |
| Admin fee / account holder | $5,790 | $4,480+29.2% | $8,085-28.4% | $5,306+9.1% |