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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 | $113,637 | $105,623+7.6% | $87,502+29.9% | $273,972-58.5% |
| Participation rate | 88.9% | 78.2%+10.7pp | 73.8%+15.1pp | 83.0%+5.9pp |
| Annual return | 8.67% | 12.26%-3.6pp | 12.21%-3.5pp | 41.46%-32.8pp |
| Employer contribution / active EE | $3,308 | $3,141+5.3% | $2,550+29.7% | $4,869-32.1% |
| Participant deferral / active EE | $9,359 | $3,601+159.9% | $3,149+197.2% | $5,287+77.0% |
| Admin fee / account holder | $5,743 | $4,781+20.1% | $4,221+36.1% | $10,133-43.3% |