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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 | $108,470 | $106,524+1.8% | $152,301-28.8% | $87,485+24.0% |
| Participation rate | 71.9% | 75.8%-3.9pp | 82.4%-10.6pp | 68.9%+2.9pp |
| Annual return | 17.68% | 26.89%-9.2pp | 80.50%-62.8pp | 26.06%-8.4pp |
| Employer contribution / active EE | $4,039 | $3,371+19.8% | $4,624-12.7% | $2,596+55.6% |
| Participant deferral / active EE | $9,688 | $6,525+48.5% | $8,004+21.0% | $4,274+126.7% |
| Admin fee / account holder | $11,195 | $8,287+35.1% | $14,398-22.2% | $7,775+44.0% |