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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 | $104,351 | $106,524-2.0% | $152,301-31.5% | $87,485+19.3% |
| Participation rate | 88.0% | 75.8%+12.2pp | 82.4%+5.6pp | 68.9%+19.1pp |
| Annual return | 15.75% | 26.89%-11.1pp | 80.50%-64.8pp | 26.06%-10.3pp |
| Employer contribution / active EE | $4,677 | $3,371+38.7% | $4,624+1.1% | $2,596+80.1% |
| Participant deferral / active EE | $3,882 | $6,525-40.5% | $8,004-51.5% | $4,274-9.2% |
| Admin fee / account holder | $19,002 | $8,287+129.3% | $14,398+32.0% | $7,775+144.4% |