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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 | $98,493 | $77,962+26.3% | $178,540-44.8% | $80,935+21.7% |
| Participation rate | 91.2% | 65.7%+25.5pp | 77.1%+14.1pp | 67.7%+23.5pp |
| Annual return | 16.40% | 18.10%-1.7pp | 27.15%-10.8pp | 35.66%-19.3pp |
| Employer contribution / active EE | $5,983 | $2,280+162.4% | $3,953+51.4% | $2,757+117.0% |
| Participant deferral / active EE | $10,486 | $4,404+138.1% | $6,281+67.0% | $4,299+143.9% |
| Admin fee / account holder | $4,560 | $7,156-36.3% | $10,424-56.3% | $6,924-34.1% |