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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 | $114,734 | $106,524+7.7% | $152,301-24.7% | $87,485+31.1% |
| Participation rate | 82.2% | 75.8%+6.5pp | 82.4%-0.2pp | 68.9%+13.3pp |
| Annual return | 18.06% | 26.89%-8.8pp | 80.50%-62.4pp | 26.06%-8.0pp |
| Employer contribution / active EE | $2,458 | $3,371-27.1% | $4,624-46.9% | $2,596-5.3% |
| Participant deferral / active EE | $10,028 | $6,525+53.7% | $8,004+25.3% | $4,274+134.7% |
| Admin fee / account holder | $2,805 | $8,287-66.2% | $14,398-80.5% | $7,775-63.9% |