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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 | $113,420 | $123,793-8.4% | $177,827-36.2% | $79,858+42.0% |
| Participation rate | 88.9% | 84.7%+4.2pp | 87.7%+1.2pp | 69.6%+19.3pp |
| Annual return | 22.05% | 22.82%-0.8pp | 48.32%-26.3pp | 31.72%-9.7pp |
| Employer contribution / active EE | $6,287 | $4,095+53.5% | $5,918+6.2% | $2,471+154.4% |
| Participant deferral / active EE | $15,111 | $5,956+153.7% | $7,713+95.9% | $3,740+304.0% |
| Admin fee / account holder | $5,913 | $7,243-18.4% | $12,429-52.4% | $5,306+11.4% |