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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 | $139,900 | $97,550+43.4% | $120,344+16.3% | $87,485+59.9% |
| Participation rate | 74.2% | 72.8%+1.4pp | 76.7%-2.5pp | 68.9%+5.3pp |
| Annual return | 13.75% | 18.41%-4.7pp | 20.30%-6.6pp | 26.06%-12.3pp |
| Employer contribution / active EE | $2,629 | $2,291+14.8% | $3,020-12.9% | $2,596+1.3% |
| Participant deferral / active EE | $6,360 | $4,230+50.4% | $5,135+23.9% | $4,274+48.8% |
| Admin fee / account holder | $11,451 | $9,543+20.0% | $12,742-10.1% | $7,775+47.3% |