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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 | $104,098-10.5% | $140,514-33.7% | $94,015-0.9% |
| Participation rate | 75.0% | 73.7%+1.3pp | 77.8%-2.8pp | 70.8%+4.2pp |
| Annual return | 13.89% | 15.14%-1.2pp | 14.36%-0.5pp | 17.84%-4.0pp |
| Employer contribution / active EE | $4,196 | $2,388+75.7% | $3,378+24.2% | $2,790+50.4% |
| Participant deferral / active EE | $7,304 | $4,033+81.1% | $4,919+48.5% | $4,249+71.9% |
| Admin fee / account holder | $8,973 | $10,439-14.0% | $13,697-34.5% | $8,951+0.2% |