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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 | $97,550+29.3% | $120,344+4.8% | $87,485+44.2% |
| Participation rate | 93.3% | 72.8%+20.5pp | 76.7%+16.6pp | 68.9%+24.4pp |
| Annual return | 17.01% | 18.41%-1.4pp | 20.30%-3.3pp | 26.06%-9.1pp |
| Employer contribution / active EE | $4,064 | $2,291+77.4% | $3,020+34.6% | $2,596+56.5% |
| Participant deferral / active EE | $8,122 | $4,230+92.0% | $5,135+58.2% | $4,274+90.1% |
| Admin fee / account holder | $1,083 | $9,543-88.6% | $12,742-91.5% | $7,775-86.1% |