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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 | $86,018 | $83,898+2.5% | $133,346-35.5% | $94,015-8.5% |
| Participation rate | 79.3% | 63.4%+16.0pp | 72.8%+6.5pp | 70.8%+8.5pp |
| Annual return | 15.72% | 16.00%-0.3pp | 36.85%-21.1pp | 17.84%-2.1pp |
| Employer contribution / active EE | $2,087 | $1,821+14.6% | $2,853-26.9% | $2,790-25.2% |
| Participant deferral / active EE | $4,469 | $3,245+37.7% | $4,332+3.2% | $4,249+5.2% |
| Admin fee / account holder | $9,432 | $7,809+20.8% | $14,264-33.9% | $8,951+5.4% |