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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 | $107,364 | $88,707+21.0% | $74,184+44.7% | $273,972-60.8% |
| Participation rate | 95.8% | 79.4%+16.4pp | 76.6%+19.2pp | 83.0%+12.8pp |
| Annual return | 8.31% | 11.94%-3.6pp | 17.74%-9.4pp | 41.46%-33.1pp |
| Employer contribution / active EE | $6,334 | $3,159+100.5% | $2,370+167.2% | $4,869+30.1% |
| Participant deferral / active EE | $2,345 | $4,212-44.3% | $3,550-33.9% | $5,287-55.7% |
| Admin fee / account holder | $577 | $8,717-93.4% | $5,586-89.7% | $10,133-94.3% |