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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 | $126,222 | $82,882+52.3% | $127,803-1.2% | $72,976+73.0% |
| Participation rate | 93.1% | 71.5%+21.6pp | 79.0%+14.1pp | 69.5%+23.6pp |
| Annual return | 26.45% | 32.20%-5.8pp | 26.14%+0.3pp | 81.02%-54.6pp |
| Employer contribution / active EE | $3,298 | $3,346-1.5% | $4,576-27.9% | $2,440+35.1% |
| Participant deferral / active EE | $6,063 | $4,791+26.5% | $6,023+0.7% | $3,608+68.0% |
| Admin fee / account holder | $6,215 | $6,487-4.2% | $9,399-33.9% | $5,124+21.3% |