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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 | $95,453+24.0% | $112,040+5.7% | $82,448+43.6% |
| Participation rate | 92.6% | 72.8%+19.8pp | 76.5%+16.1pp | 68.1%+24.5pp |
| Annual return | 19.41% | 23.92%-4.5pp | 24.52%-5.1pp | 41.64%-22.2pp |
| Employer contribution / active EE | $2,931 | $2,318+26.4% | $2,954-0.8% | $2,551+14.9% |
| Participant deferral / active EE | $8,875 | $4,224+110.1% | $5,098+74.1% | $4,139+114.4% |
| Admin fee / account holder | $10,964 | $9,013+21.6% | $12,098-9.4% | $7,234+51.6% |