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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 | $99,368 | $95,453+4.1% | $112,040-11.3% | $82,448+20.5% |
| Participation rate | 95.5% | 72.8%+22.7pp | 76.5%+19.0pp | 68.1%+27.4pp |
| Annual return | 30.56% | 23.92%+6.6pp | 24.52%+6.0pp | 41.64%-11.1pp |
| Employer contribution / active EE | $1,881 | $2,318-18.8% | $2,954-36.3% | $2,551-26.3% |
| Participant deferral / active EE | $5,395 | $4,224+27.7% | $5,098+5.8% | $4,139+30.3% |
| Admin fee / account holder | $6,515 | $9,013-27.7% | $12,098-46.1% | $7,234-9.9% |