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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 | $95,173 | $92,041+3.4% | $299,830-68.3% | $94,015+1.2% |
| Participation rate | 88.9% | 71.4%+17.4pp | 78.5%+10.4pp | 70.8%+18.1pp |
| Annual return | 13.45% | 15.24%-1.8pp | 10.58%+2.9pp | 17.84%-4.4pp |
| Employer contribution / active EE | $2,369 | $2,506-5.5% | $5,842-59.5% | $2,790-15.1% |
| Participant deferral / active EE | $7,549 | $4,287+76.1% | $7,038+7.3% | $4,249+77.6% |
| Admin fee / account holder | $4,393 | $8,997-51.2% | $50,982-91.4% | $8,951-50.9% |