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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 | $113,176 | $86,949+30.2% | $102,460+10.5% | $80,959+39.8% |
| Participation rate | 83.0% | 72.4%+10.6pp | 76.5%+6.5pp | 67.7%+15.4pp |
| Annual return | 17.43% | 18.89%-1.5pp | 29.47%-12.0pp | 35.67%-18.2pp |
| Employer contribution / active EE | $3,500 | $2,370+47.7% | $3,025+15.7% | $2,757+27.0% |
| Participant deferral / active EE | $7,795 | $4,121+89.2% | $5,056+54.2% | $4,300+81.3% |
| Admin fee / account holder | $3,987 | $8,048-50.5% | $9,460-57.9% | $6,925-42.4% |