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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 | $98,148 | $95,762+2.5% | $379,746-74.2% | $79,852+22.9% |
| Participation rate | 84.6% | 74.0%+10.6pp | 78.4%+6.2pp | 69.6%+15.0pp |
| Annual return | 27.21% | 18.26%+8.9pp | 34.90%-7.7pp | 31.72%-4.5pp |
| Employer contribution / active EE | $1,174 | $2,695-56.4% | $3,540-66.8% | $2,471-52.5% |
| Participant deferral / active EE | $11,804 | $4,705+150.9% | $6,024+96.0% | $3,740+215.6% |
| Admin fee / account holder | $917 | $6,745-86.4% | $7,927-88.4% | $5,306-82.7% |