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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 | $141,035 | $136,307+3.5% | $106,619+32.3% | $273,972-48.5% |
| Participation rate | 92.3% | 84.8%+7.5pp | 78.0%+14.3pp | 83.0%+9.3pp |
| Annual return | 8.22% | 11.05%-2.8pp | 9.42%-1.2pp | 41.46%-33.2pp |
| Employer contribution / active EE | $3,197 | $5,190-38.4% | $3,947-19.0% | $4,869-34.3% |
| Participant deferral / active EE | $7,029 | $4,969+41.5% | $3,930+78.9% | $5,287+32.9% |
| Admin fee / account holder | $1,635 | $8,625-81.0% | $6,418-74.5% | $10,133-83.9% |