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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 | $83,785 | $88,370-5.2% | $112,977-25.8% | $79,856+4.9% |
| Participation rate | 77.8% | 76.8%+1.0pp | 82.6%-4.8pp | 69.6%+8.1pp |
| Annual return | 27.26% | 23.16%+4.1pp | 24.24%+3.0pp | 31.71%-4.4pp |
| Employer contribution / active EE | $4,721 | $3,398+38.9% | $4,255+11.0% | $2,471+91.0% |
| Participant deferral / active EE | $8,292 | $4,536+82.8% | $5,836+42.1% | $3,741+121.7% |
| Admin fee / account holder | $1,921 | $5,750-66.6% | $6,294-69.5% | $5,306-63.8% |