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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 | $124,390 | $84,953+46.4% | $163,379-23.9% | $82,637+50.5% |
| Participation rate | 70.0% | 65.9%+4.1pp | 76.8%-6.8pp | 68.1%+1.9pp |
| Annual return | 15.36% | 23.07%-7.7pp | 63.41%-48.0pp | 53.51%-38.1pp |
| Employer contribution / active EE | $2,733 | $2,183+25.2% | $3,752-27.2% | $2,552+7.1% |
| Participant deferral / active EE | $7,151 | $4,326+65.3% | $6,282+13.8% | $4,126+73.3% |
| Admin fee / account holder | $7,735 | $7,921-2.3% | $9,818-21.2% | $7,339+5.4% |