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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 | $118,405 | $97,550+21.4% | $120,344-1.6% | $87,485+35.3% |
| Participation rate | 92.6% | 72.8%+19.8pp | 76.7%+15.9pp | 68.9%+23.7pp |
| Annual return | 19.41% | 18.41%+1.0pp | 20.30%-0.9pp | 26.06%-6.7pp |
| Employer contribution / active EE | $2,931 | $2,291+27.9% | $3,020-3.0% | $2,596+12.9% |
| Participant deferral / active EE | $8,875 | $4,230+109.8% | $5,135+72.8% | $4,274+107.7% |
| Admin fee / account holder | $10,964 | $9,543+14.9% | $12,742-14.0% | $7,775+41.0% |