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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 | $101,073 | $81,487+24.0% | $102,412-1.3% | $80,935+24.9% |
| Participation rate | 81.5% | 66.8%+14.6pp | 74.5%+7.0pp | 67.7%+13.8pp |
| Annual return | 14.48% | 25.60%-11.1pp | 24.94%-10.5pp | 35.66%-21.2pp |
| Employer contribution / active EE | $4,121 | $3,103+32.8% | $3,870+6.5% | $2,757+49.5% |
| Participant deferral / active EE | $10,235 | $3,871+164.4% | $5,060+102.3% | $4,299+138.1% |
| Admin fee / account holder | $791 | $6,717-88.2% | $8,388-90.6% | $6,924-88.6% |