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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 | $96,839 | $81,446+18.9% | $103,374-6.3% | $80,874+19.7% |
| Participation rate | 83.7% | 66.9%+16.8pp | 74.5%+9.2pp | 67.6%+16.0pp |
| Annual return | 14.18% | 25.57%-11.4pp | 24.89%-10.7pp | 35.62%-21.4pp |
| Employer contribution / active EE | $3,529 | $3,107+13.6% | $3,869-8.8% | $2,756+28.1% |
| Participant deferral / active EE | $6,099 | $3,870+57.6% | $5,058+20.6% | $4,297+41.9% |
| Admin fee / account holder | $4,723 | $6,715-29.7% | $8,394-43.7% | $6,935-31.9% |