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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 | $105,715 | $84,236+25.5% | $170,439-38.0% | $70,124+50.8% |
| Participation rate | 75.9% | 70.8%+5.0pp | 83.6%-7.7pp | 69.5%+6.3pp |
| Annual return | 18.34% | 23.06%-4.7pp | 205.94%-187.6pp | 73.14%-54.8pp |
| Employer contribution / active EE | $4,013 | $3,387+18.5% | $5,433-26.1% | $2,342+71.3% |
| Participant deferral / active EE | $4,207 | $3,086+36.3% | $4,939-14.8% | $3,332+26.3% |
| Admin fee / account holder | $782 | $5,698-86.3% | $13,881-94.4% | $4,645-83.2% |