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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 | $92,682 | $106,749-13.2% | $145,433-36.3% | $82,448+12.4% |
| Participation rate | 80.4% | 75.6%+4.7pp | 82.1%-1.7pp | 68.1%+12.3pp |
| Annual return | 17.91% | 27.59%-9.7pp | 66.58%-48.7pp | 41.64%-23.7pp |
| Employer contribution / active EE | $9,923 | $3,444+188.1% | $4,554+117.9% | $2,551+289.0% |
| Participant deferral / active EE | $7,110 | $6,519+9.1% | $7,897-10.0% | $4,139+71.8% |
| Admin fee / account holder | $1,247 | $8,390-85.1% | $13,129-90.5% | $7,234-82.8% |