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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 | $91,484 | $93,057-1.7% | $153,500-40.4% | $80,925+13.0% |
| Participation rate | 92.0% | 69.0%+23.0pp | 77.1%+14.9pp | 67.7%+24.3pp |
| Annual return | 15.09% | 19.96%-4.9pp | 15.70%-0.6pp | 35.65%-20.6pp |
| Employer contribution / active EE | $5,270 | $3,507+50.3% | $5,039+4.6% | $2,756+91.2% |
| Participant deferral / active EE | $7,771 | $5,179+50.0% | $6,756+15.0% | $4,299+80.8% |
| Admin fee / account holder | $598 | $8,885-93.3% | $12,736-95.3% | $6,940-91.4% |