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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 | $100,982 | $79,557+26.9% | $118,746-15.0% | $70,126+44.0% |
| Participation rate | 88.9% | 71.4%+17.5pp | 78.3%+10.6pp | 69.5%+19.3pp |
| Annual return | 16.28% | 25.64%-9.4pp | 24.54%-8.3pp | 73.15%-56.9pp |
| Employer contribution / active EE | $2,901 | $2,861+1.4% | $4,193-30.8% | $2,343+23.9% |
| Participant deferral / active EE | $4,845 | $4,089+18.5% | $5,332-9.1% | $3,332+45.4% |
| Admin fee / account holder | $10,668 | $5,374+98.5% | $10,720-0.5% | $4,645+129.6% |