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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 | $106,749+1.6% | $145,433-25.4% | $82,448+31.6% |
| Participation rate | 71.9% | 75.6%-3.8pp | 82.1%-10.2pp | 68.1%+3.8pp |
| Annual return | 17.68% | 27.59%-9.9pp | 66.58%-48.9pp | 41.64%-24.0pp |
| Employer contribution / active EE | $4,039 | $3,444+17.3% | $4,554-11.3% | $2,551+58.3% |
| Participant deferral / active EE | $9,688 | $6,519+48.6% | $7,897+22.7% | $4,139+134.0% |
| Admin fee / account holder | $11,195 | $8,390+33.4% | $13,129-14.7% | $7,234+54.8% |