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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 | $103,816 | $106,524-2.5% | $152,301-31.8% | $87,485+18.7% |
| Participation rate | 94.1% | 75.8%+18.4pp | 82.4%+11.7pp | 68.9%+25.2pp |
| Annual return | 16.22% | 26.89%-10.7pp | 80.50%-64.3pp | 26.06%-9.8pp |
| Employer contribution / active EE | $7,771 | $3,371+130.5% | $4,624+68.0% | $2,596+199.3% |
| Participant deferral / active EE | $7,575 | $6,525+16.1% | $8,004-5.4% | $4,274+77.2% |
| Admin fee / account holder | $584 | $8,287-93.0% | $14,398-95.9% | $7,775-92.5% |