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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 | $101,236 | $99,345+1.9% | $84,753+19.4% | $273,972-63.0% |
| Participation rate | 84.6% | 80.7%+3.9pp | 76.6%+8.0pp | 83.0%+1.6pp |
| Annual return | 7.16% | 22.93%-15.8pp | 22.78%-15.6pp | 41.46%-34.3pp |
| Employer contribution / active EE | $7,525 | $4,214+78.6% | $3,574+110.5% | $4,869+54.6% |
| Participant deferral / active EE | $4,114 | $4,270-3.7% | $3,712+10.8% | $5,287-22.2% |
| Admin fee / account holder | $4,861 | $6,645-26.9% | $5,333-8.9% | $10,133-52.0% |