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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 | $94,028 | $86,922+8.2% | $102,438-8.2% | $80,874+16.3% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 18.64% | 18.90%-0.3pp | 29.37%-10.7pp | 35.62%-17.0pp |
| Employer contribution / active EE | $8,211 | $2,369+246.5% | $3,024+171.6% | $2,756+198.0% |
| Participant deferral / active EE | $5,489 | $4,119+33.3% | $5,054+8.6% | $4,297+27.8% |
| Admin fee / account holder | $9,954 | $8,050+23.7% | $9,448+5.4% | $6,935+43.5% |