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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 | $84,524 | $76,551+10.4% | $123,894-31.8% | $62,881+34.4% |
| Participation rate | 84.6% | 73.0%+11.6pp | 81.4%+3.2pp | 69.3%+15.3pp |
| Annual return | 13.68% | 18.68%-5.0pp | 47.52%-33.8pp | 20.14%-6.5pp |
| Employer contribution / active EE | $2,862 | $2,882-0.7% | $4,617-38.0% | $2,281+25.5% |
| Participant deferral / active EE | $6,698 | $4,840+38.4% | $5,984+11.9% | $3,203+109.1% |
| Admin fee / account holder | $6,878 | $4,826+42.5% | $8,357-17.7% | $4,296+60.1% |