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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 | $102,417 | $88,707+15.5% | $74,184+38.1% | $273,972-62.6% |
| Participation rate | 82.4% | 79.4%+2.9pp | 76.6%+5.7pp | 83.0%-0.7pp |
| Annual return | 10.97% | 11.94%-1.0pp | 17.74%-6.8pp | 41.46%-30.5pp |
| Employer contribution / active EE | $2,618 | $3,159-17.1% | $2,370+10.5% | $4,869-46.2% |
| Participant deferral / active EE | $6,900 | $4,212+63.8% | $3,550+94.4% | $5,287+30.5% |
| Admin fee / account holder | $5,604 | $8,717-35.7% | $5,586+0.3% | $10,133-44.7% |