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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 | $88,528 | $99,380-10.9% | $90,312-2.0% | $155,188-43.0% |
| Participation rate | 83.3% | 77.3%+6.0pp | 72.9%+10.4pp | 80.8%+2.5pp |
| Annual return | 17.87% | 19.35%-1.5pp | 18.90%-1.0pp | 148.84%-131.0pp |
| Employer contribution / active EE | $2,919 | $2,390+22.1% | $2,243+30.2% | $4,248-31.3% |
| Participant deferral / active EE | $5,287 | $4,212+25.5% | $3,749+41.0% | $6,531-19.0% |
| Admin fee / account holder | $389 | $9,766-96.0% | $8,248-95.3% | $14,480-97.3% |