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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 | $107,046 | $83,485+28.2% | $125,192-14.5% | $72,975+46.7% |
| Participation rate | 70.0% | 73.3%-3.3pp | 79.8%-9.8pp | 69.5%+0.5pp |
| Annual return | 17.91% | 25.77%-7.9pp | 43.79%-25.9pp | 81.01%-63.1pp |
| Employer contribution / active EE | $3,914 | $2,346+66.8% | $3,866+1.2% | $2,440+60.4% |
| Participant deferral / active EE | $7,645 | $3,586+113.2% | $4,937+54.8% | $3,608+111.9% |
| Admin fee / account holder | $4,088 | $5,518-25.9% | $9,704-57.9% | $5,124-20.2% |