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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 | $94,974 | $86,938+9.2% | $102,423-7.3% | $80,925+17.4% |
| Participation rate | 90.5% | 72.4%+18.1pp | 76.5%+14.0pp | 67.7%+22.8pp |
| Annual return | 14.82% | 18.89%-4.1pp | 29.42%-14.6pp | 35.65%-20.8pp |
| Employer contribution / active EE | $7,252 | $2,369+206.1% | $3,023+139.9% | $2,756+163.1% |
| Participant deferral / active EE | $4,684 | $4,120+13.7% | $5,054-7.3% | $4,299+9.0% |
| Admin fee / account holder | $2,239 | $8,053-72.2% | $9,455-76.3% | $6,940-67.7% |