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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 | $100,362 | $106,524-5.8% | $152,301-34.1% | $87,485+14.7% |
| Participation rate | 90.6% | 75.8%+14.9pp | 82.4%+8.2pp | 68.9%+21.7pp |
| Annual return | 18.39% | 26.89%-8.5pp | 80.50%-62.1pp | 26.06%-7.7pp |
| Employer contribution / active EE | $5,385 | $3,371+59.7% | $4,624+16.4% | $2,596+107.4% |
| Participant deferral / active EE | $14,080 | $6,525+115.8% | $8,004+75.9% | $4,274+229.5% |
| Admin fee / account holder | $6,697 | $8,287-19.2% | $14,398-53.5% | $7,775-13.9% |