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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 | $91,590 | $114,712-20.2% | $173,730-47.3% | $87,485+4.7% |
| Participation rate | 93.6% | 73.0%+20.6pp | 79.6%+14.0pp | 68.9%+24.7pp |
| Annual return | 19.08% | 20.18%-1.1pp | 19.96%-0.9pp | 26.06%-7.0pp |
| Employer contribution / active EE | $4,045 | $2,904+39.3% | $4,577-11.6% | $2,596+55.8% |
| Participant deferral / active EE | $2,723 | $4,642-41.3% | $6,326-57.0% | $4,274-36.3% |
| Admin fee / account holder | $13,564 | $10,210+32.9% | $17,523-22.6% | $7,775+74.5% |