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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 | $124,674 | $99,345+25.5% | $84,753+47.1% | $273,972-54.5% |
| Participation rate | 71.4% | 80.7%-9.3pp | 76.6%-5.2pp | 83.0%-11.6pp |
| Annual return | 12.41% | 22.93%-10.5pp | 22.78%-10.4pp | 41.46%-29.0pp |
| Employer contribution / active EE | $7,190 | $4,214+70.6% | $3,574+101.1% | $4,869+47.7% |
| Participant deferral / active EE | $6,677 | $4,270+56.4% | $3,712+79.9% | $5,287+26.3% |
| Admin fee / account holder | $3,587 | $6,645-46.0% | $5,333-32.7% | $10,133-64.6% |