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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 | $126,132 | $95,453+32.1% | $112,040+12.6% | $82,448+53.0% |
| Participation rate | 93.3% | 72.8%+20.6pp | 76.5%+16.8pp | 68.1%+25.3pp |
| Annual return | 17.01% | 23.92%-6.9pp | 24.52%-7.5pp | 41.64%-24.6pp |
| Employer contribution / active EE | $4,064 | $2,318+75.3% | $2,954+37.6% | $2,551+59.3% |
| Participant deferral / active EE | $8,122 | $4,224+92.3% | $5,098+59.3% | $4,139+96.2% |
| Admin fee / account holder | $1,083 | $9,013-88.0% | $12,098-91.0% | $7,234-85.0% |