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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 | $113,868 | $77,896+46.2% | $134,172-15.1% | $82,448+38.1% |
| Participation rate | 96.3% | 62.8%+33.5pp | 72.5%+23.8pp | 68.1%+28.2pp |
| Annual return | 13.37% | 18.21%-4.8pp | 25.30%-11.9pp | 41.64%-28.3pp |
| Employer contribution / active EE | $2,581 | $2,159+19.5% | $3,420-24.5% | $2,551+1.2% |
| Participant deferral / active EE | $7,167 | $3,162+126.7% | $4,690+52.8% | $4,139+73.2% |
| Admin fee / account holder | $8,116 | $6,336+28.1% | $12,016-32.5% | $7,234+12.2% |