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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 | $121,162 | $106,749+13.5% | $145,433-16.7% | $82,448+47.0% |
| Participation rate | 89.5% | 75.6%+13.8pp | 82.1%+7.4pp | 68.1%+21.4pp |
| Annual return | 17.68% | 27.59%-9.9pp | 66.58%-48.9pp | 41.64%-24.0pp |
| Employer contribution / active EE | $2,439 | $3,444-29.2% | $4,554-46.4% | $2,551-4.4% |
| Participant deferral / active EE | $6,236 | $6,519-4.3% | $7,897-21.0% | $4,139+50.7% |
| Admin fee / account holder | $1,033 | $8,390-87.7% | $13,129-92.1% | $7,234-85.7% |