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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 | $102,185 | $106,749-4.3% | $145,433-29.7% | $82,448+23.9% |
| Participation rate | 96.4% | 75.6%+20.8pp | 82.1%+14.3pp | 68.1%+28.4pp |
| Annual return | 30.89% | 27.59%+3.3pp | 66.58%-35.7pp | 41.64%-10.7pp |
| Employer contribution / active EE | $913 | $3,444-73.5% | $4,554-80.0% | $2,551-64.2% |
| Participant deferral / active EE | $13,016 | $6,519+99.7% | $7,897+64.8% | $4,139+214.4% |
| Admin fee / account holder | $9,606 | $8,390+14.5% | $13,129-26.8% | $7,234+32.8% |