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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 | $107,101 | $78,013+37.3% | $178,449-40.0% | $80,911+32.4% |
| Participation rate | 76.9% | 65.7%+11.2pp | 77.1%-0.2pp | 67.6%+9.3pp |
| Annual return | 12.09% | 18.07%-6.0pp | 27.09%-15.0pp | 35.63%-23.5pp |
| Employer contribution / active EE | $4,595 | $2,287+100.9% | $3,951+16.3% | $2,756+66.7% |
| Participant deferral / active EE | $10,237 | $4,408+132.3% | $6,277+63.1% | $4,297+138.2% |
| Admin fee / account holder | $31,270 | $7,166+336.4% | $10,362+201.8% | $6,935+350.9% |