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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 | $69,444+38.3% | $92,985+3.3% | $87,485+9.8% |
| Participation rate | 74.0% | 63.3%+10.7pp | 69.5%+4.5pp | 68.9%+5.1pp |
| Annual return | 21.38% | 23.85%-2.5pp | 27.99%-6.6pp | 26.06%-4.7pp |
| Employer contribution / active EE | $3,994 | $1,917+108.3% | $2,662+50.0% | $2,596+53.8% |
| Participant deferral / active EE | $8,949 | $3,364+166.0% | $4,377+104.5% | $4,274+109.4% |
| Admin fee / account holder | $7,422 | $6,137+20.9% | $9,463-21.6% | $7,775-4.5% |