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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 | $118,128 | $106,749+10.7% | $145,433-18.8% | $82,448+43.3% |
| Participation rate | 94.6% | 75.6%+18.9pp | 82.1%+12.5pp | 68.1%+26.5pp |
| Annual return | 19.07% | 27.59%-8.5pp | 66.58%-47.5pp | 41.64%-22.6pp |
| Employer contribution / active EE | $3,978 | $3,444+15.5% | $4,554-12.7% | $2,551+55.9% |
| Participant deferral / active EE | $8,593 | $6,519+31.8% | $7,897+8.8% | $4,139+107.6% |
| Admin fee / account holder | $943 | $8,390-88.8% | $13,129-92.8% | $7,234-87.0% |