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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 | $99,012 | $63,082+57.0% | $81,716+21.2% | $79,852+24.0% |
| Participation rate | 81.8% | 67.5%+14.3pp | 72.0%+9.8pp | 69.6%+12.2pp |
| Annual return | 15.69% | 22.66%-7.0pp | 29.49%-13.8pp | 31.72%-16.0pp |
| Employer contribution / active EE | $2,253 | $1,795+25.5% | $4,310-47.7% | $2,471-8.8% |
| Participant deferral / active EE | $5,989 | $2,780+115.4% | $7,108-15.7% | $3,740+60.1% |
| Admin fee / account holder | $1,042 | $4,428-76.5% | $5,159-79.8% | $5,306-80.4% |