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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 | $72,471+32.6% | $94,215+2.0% | $86,983+10.4% |
| Participation rate | 74.0% | 63.9%+10.1pp | 70.0%+4.0pp | 69.5%+4.5pp |
| Annual return | 21.38% | 26.44%-5.1pp | 28.22%-6.8pp | 25.83%-4.5pp |
| Employer contribution / active EE | $3,994 | $1,936+106.3% | $2,675+49.3% | $2,584+54.5% |
| Participant deferral / active EE | $8,949 | $3,397+163.4% | $4,276+109.3% | $4,194+113.4% |
| Admin fee / account holder | $7,422 | $6,468+14.8% | $10,216-27.3% | $7,856-5.5% |