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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 | $91,815 | $76,551+19.9% | $123,894-25.9% | $62,881+46.0% |
| Participation rate | 71.1% | 73.0%-1.9pp | 81.4%-10.4pp | 69.3%+1.7pp |
| Annual return | 8.25% | 18.68%-10.4pp | 47.52%-39.3pp | 20.14%-11.9pp |
| Employer contribution / active EE | $4,451 | $2,882+54.4% | $4,617-3.6% | $2,281+95.1% |
| Participant deferral / active EE | $8,505 | $4,840+75.7% | $5,984+42.1% | $3,203+165.5% |
| Admin fee / account holder | $4,939 | $4,826+2.3% | $8,357-40.9% | $4,296+15.0% |