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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 | $118,119 | $81,504+44.9% | $102,437+15.3% | $80,959+45.9% |
| Participation rate | 71.1% | 66.9%+4.2pp | 74.5%-3.5pp | 67.7%+3.4pp |
| Annual return | 17.13% | 25.60%-8.5pp | 24.95%-7.8pp | 35.67%-18.5pp |
| Employer contribution / active EE | $6,947 | $3,104+123.9% | $3,871+79.5% | $2,757+152.0% |
| Participant deferral / active EE | $8,187 | $3,871+111.5% | $5,060+61.8% | $4,300+90.4% |
| Admin fee / account holder | $4,367 | $6,719-35.0% | $8,388-47.9% | $6,925-36.9% |