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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 | $113,090 | $96,562+17.1% | $80,976+39.7% | $273,965-58.7% |
| Participation rate | 81.8% | 79.1%+2.7pp | 75.8%+6.0pp | 83.0%-1.2pp |
| Annual return | 4.28% | 15.14%-10.9pp | 17.10%-12.8pp | 41.45%-37.2pp |
| Employer contribution / active EE | $1,295 | $4,868-73.4% | $3,714-65.1% | $4,869-73.4% |
| Participant deferral / active EE | $8,748 | $6,597+32.6% | $5,696+53.6% | $5,287+65.5% |
| Admin fee / account holder | $959 | $7,493-87.2% | $5,516-82.6% | $10,132-90.5% |