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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 | $121,894 | $95,453+27.7% | $112,040+8.8% | $82,448+47.8% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 17.25% | 23.92%-6.7pp | 24.52%-7.3pp | 41.64%-24.4pp |
| Employer contribution / active EE | $2,619 | $2,318+13.0% | $2,954-11.3% | $2,551+2.7% |
| Participant deferral / active EE | $6,729 | $4,224+59.3% | $5,098+32.0% | $4,139+62.6% |
| Admin fee / account holder | $12,785 | $9,013+41.8% | $12,098+5.7% | $7,234+76.7% |