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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 | $92,258 | $109,620-15.8% | $148,496-37.9% | $94,015-1.9% |
| Participation rate | 93.6% | 71.3%+22.4pp | 76.0%+17.6pp | 70.8%+22.8pp |
| Annual return | 15.00% | 17.54%-2.5pp | 12.33%+2.7pp | 17.84%-2.8pp |
| Employer contribution / active EE | $1,970 | $2,618-24.7% | $3,497-43.7% | $2,790-29.4% |
| Participant deferral / active EE | $6,112 | $3,831+59.5% | $4,808+27.1% | $4,249+43.8% |
| Admin fee / account holder | $18,008 | $10,050+79.2% | $19,547-7.9% | $8,951+101.2% |