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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 | $96,835 | $88,707+9.2% | $74,184+30.5% | $273,972-64.7% |
| Participation rate | 85.7% | 79.4%+6.3pp | 76.6%+9.1pp | 83.0%+2.7pp |
| Annual return | 9.68% | 11.94%-2.3pp | 17.74%-8.1pp | 41.46%-31.8pp |
| Employer contribution / active EE | $3,780 | $3,159+19.6% | $2,370+59.5% | $4,869-22.4% |
| Participant deferral / active EE | $6,869 | $4,212+63.1% | $3,550+93.5% | $5,287+29.9% |
| Admin fee / account holder | $2,485 | $8,717-71.5% | $5,586-55.5% | $10,133-75.5% |