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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 | $98,019 | $106,864-8.3% | $147,318-33.5% | $82,637+18.6% |
| Participation rate | 90.9% | 75.5%+15.4pp | 82.1%+8.8pp | 68.1%+22.9pp |
| Annual return | 28.82% | 27.49%+1.3pp | 70.43%-41.6pp | 53.51%-24.7pp |
| Employer contribution / active EE | $2,607 | $3,417-23.7% | $4,593-43.2% | $2,552+2.2% |
| Participant deferral / active EE | $5,301 | $6,496-18.4% | $7,906-33.0% | $4,126+28.5% |
| Admin fee / account holder | $7,400 | $8,415-12.1% | $13,708-46.0% | $7,339+0.8% |