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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 | $78,027+37.3% | $178,528-40.0% | $80,925+32.3% |
| Participation rate | 76.9% | 65.7%+11.2pp | 77.1%-0.2pp | 67.7%+9.3pp |
| Annual return | 12.09% | 18.09%-6.0pp | 27.11%-15.0pp | 35.65%-23.6pp |
| Employer contribution / active EE | $4,595 | $2,281+101.4% | $3,950+16.3% | $2,756+66.7% |
| Participant deferral / active EE | $10,237 | $4,408+132.3% | $6,278+63.1% | $4,299+138.2% |
| Admin fee / account holder | $31,270 | $7,168+336.3% | $10,419+200.1% | $6,940+350.6% |