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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 | $101,126 | $108,825-7.1% | $156,181-35.3% | $82,448+22.7% |
| Participation rate | 92.0% | 72.4%+19.6pp | 78.8%+13.2pp | 68.1%+23.9pp |
| Annual return | 28.61% | 20.59%+8.0pp | 64.87%-36.3pp | 41.64%-13.0pp |
| Employer contribution / active EE | $3,557 | $2,870+23.9% | $4,294-17.2% | $2,551+39.4% |
| Participant deferral / active EE | $6,699 | $4,577+46.4% | $6,132+9.2% | $4,139+61.8% |
| Admin fee / account holder | $2,187 | $9,341-76.6% | $14,586-85.0% | $7,234-69.8% |