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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 | $117,774 | $81,446+44.6% | $103,374+13.9% | $80,874+45.6% |
| Participation rate | 95.8% | 66.9%+29.0pp | 74.5%+21.3pp | 67.6%+28.2pp |
| Annual return | 14.33% | 25.57%-11.2pp | 24.89%-10.6pp | 35.62%-21.3pp |
| Employer contribution / active EE | $5,844 | $3,107+88.1% | $3,869+51.0% | $2,756+112.1% |
| Participant deferral / active EE | $9,440 | $3,870+143.9% | $5,058+86.6% | $4,297+119.7% |
| Admin fee / account holder | $9,010 | $6,715+34.2% | $8,394+7.3% | $6,935+29.9% |