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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 | $93,417 | $81,504+14.6% | $102,437-8.8% | $80,959+15.4% |
| Participation rate | 96.3% | 66.9%+29.4pp | 74.5%+21.8pp | 67.7%+28.6pp |
| Annual return | 17.30% | 25.60%-8.3pp | 24.95%-7.6pp | 35.67%-18.4pp |
| Employer contribution / active EE | $8,016 | $3,104+158.3% | $3,871+107.1% | $2,757+190.7% |
| Participant deferral / active EE | $5,333 | $3,871+37.8% | $5,060+5.4% | $4,300+24.0% |
| Admin fee / account holder | $2,800 | $6,719-58.3% | $8,388-66.6% | $6,925-59.6% |