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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 | $91,364 | $88,707+3.0% | $74,184+23.2% | $273,972-66.7% |
| Participation rate | 90.0% | 79.4%+10.6pp | 76.6%+13.4pp | 83.0%+7.0pp |
| Annual return | 9.03% | 11.94%-2.9pp | 17.74%-8.7pp | 41.46%-32.4pp |
| Employer contribution / active EE | $6,978 | $3,159+120.9% | $2,370+194.4% | $4,869+43.3% |
| Participant deferral / active EE | $4,202 | $4,212-0.2% | $3,550+18.4% | $5,287-20.5% |
| Admin fee / account holder | $10,907 | $8,717+25.1% | $5,586+95.3% | $10,133+7.6% |