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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 | $105,421 | $136,860-23.0% | $120,344-12.4% | $154,746-31.9% |
| Participation rate | 88.9% | 79.9%+9.0pp | 76.7%+12.2pp | 80.7%+8.2pp |
| Annual return | 17.99% | 21.38%-3.4pp | 20.30%-2.3pp | 172.34%-154.3pp |
| Employer contribution / active EE | $4,682 | $3,533+32.5% | $3,020+55.0% | $4,379+6.9% |
| Participant deferral / active EE | $9,058 | $5,793+56.3% | $5,135+76.4% | $6,730+34.6% |
| Admin fee / account holder | $20,828 | $15,393+35.3% | $12,742+63.5% | $14,365+45.0% |