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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 | $93,126 | $95,453-2.4% | $112,040-16.9% | $82,448+13.0% |
| Participation rate | 75.0% | 72.8%+2.2pp | 76.5%-1.5pp | 68.1%+6.9pp |
| Annual return | 13.89% | 23.92%-10.0pp | 24.52%-10.6pp | 41.64%-27.7pp |
| Employer contribution / active EE | $4,196 | $2,318+81.0% | $2,954+42.1% | $2,551+64.5% |
| Participant deferral / active EE | $7,304 | $4,224+72.9% | $5,098+43.3% | $4,139+76.4% |
| Admin fee / account holder | $8,973 | $9,013-0.5% | $12,098-25.8% | $7,234+24.0% |