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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 | $124,448 | $181,896-31.6% | $156,551-20.5% | $273,972-54.6% |
| Participation rate | 94.7% | 88.4%+6.4pp | 84.0%+10.7pp | 83.0%+11.7pp |
| Annual return | 14.42% | 30.74%-16.3pp | 32.23%-17.8pp | 41.46%-27.0pp |
| Employer contribution / active EE | $5,950 | $6,248-4.8% | $5,501+8.1% | $4,869+22.2% |
| Participant deferral / active EE | $3,913 | $5,550-29.5% | $4,871-19.7% | $5,287-26.0% |
| Admin fee / account holder | $1,531 | $15,560-90.2% | $13,028-88.2% | $10,133-84.9% |