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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 | $96,069 | $76,564+25.5% | $105,582-9.0% | $94,015+2.2% |
| Participation rate | 74.0% | 65.2%+8.8pp | 71.8%+2.2pp | 70.8%+3.2pp |
| Annual return | 21.38% | 20.69%+0.7pp | 18.61%+2.8pp | 17.84%+3.5pp |
| Employer contribution / active EE | $3,994 | $1,995+100.2% | $2,984+33.8% | $2,790+43.1% |
| Participant deferral / active EE | $8,949 | $3,320+169.5% | $4,353+105.6% | $4,249+110.6% |
| Admin fee / account holder | $7,422 | $7,129+4.1% | $12,856-42.3% | $8,951-17.1% |