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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 | $104,306 | $76,551+36.3% | $123,894-15.8% | $62,881+65.9% |
| Participation rate | 89.2% | 73.0%+16.2pp | 81.4%+7.8pp | 69.3%+19.9pp |
| Annual return | 11.04% | 18.68%-7.6pp | 47.52%-36.5pp | 20.14%-9.1pp |
| Employer contribution / active EE | $2,989 | $2,882+3.7% | $4,617-35.3% | $2,281+31.0% |
| Participant deferral / active EE | $2,801 | $4,840-42.1% | $5,984-53.2% | $3,203-12.5% |
| Admin fee / account holder | $2,007 | $4,826-58.4% | $8,357-76.0% | $4,296-53.3% |