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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 | $82,208 | $100,194-18.0% | $122,979-33.2% | $86,983-5.5% |
| Participation rate | 89.3% | 73.0%+16.3pp | 77.2%+12.1pp | 69.5%+19.7pp |
| Annual return | 16.31% | 16.47%-0.2pp | 20.12%-3.8pp | 25.83%-9.5pp |
| Employer contribution / active EE | $2,694 | $2,326+15.8% | $3,062-12.0% | $2,584+4.2% |
| Participant deferral / active EE | $5,311 | $4,133+28.5% | $5,003+6.2% | $4,194+26.6% |
| Admin fee / account holder | $20,310 | $10,148+100.1% | $12,864+57.9% | $7,856+158.5% |