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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 | $126,434 | $93,055+35.9% | $153,741-17.8% | $80,959+56.2% |
| Participation rate | 75.0% | 69.0%+6.0pp | 77.1%-2.1pp | 67.7%+7.3pp |
| Annual return | 17.78% | 19.97%-2.2pp | 15.71%+2.1pp | 35.67%-17.9pp |
| Employer contribution / active EE | $6,023 | $3,504+71.9% | $5,042+19.5% | $2,757+118.4% |
| Participant deferral / active EE | $10,556 | $5,172+104.1% | $6,757+56.2% | $4,300+145.5% |
| Admin fee / account holder | $5,973 | $8,881-32.7% | $12,749-53.2% | $6,925-13.8% |