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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 | $112,002 | $87,166+28.5% | $76,735+46.0% | $137,256-18.4% |
| Participation rate | 95.2% | 74.4%+20.9pp | 69.5%+25.7pp | 80.0%+15.3pp |
| Annual return | 13.33% | 26.50%-13.2pp | 29.77%-16.4pp | 220.34%-207.0pp |
| Employer contribution / active EE | $1,883 | $2,904-35.2% | $2,454-23.3% | $4,156-54.7% |
| Participant deferral / active EE | $5,479 | $4,726+15.9% | $4,088+34.0% | $6,407-14.5% |
| Admin fee / account holder | $2,932 | $8,403-65.1% | $7,189-59.2% | $12,270-76.1% |