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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 | $101,773 | $95,453+6.6% | $112,040-9.2% | $82,448+23.4% |
| Participation rate | 89.2% | 72.8%+16.4pp | 76.5%+12.7pp | 68.1%+21.1pp |
| Annual return | 15.38% | 23.92%-8.5pp | 24.52%-9.1pp | 41.64%-26.3pp |
| Employer contribution / active EE | $3,805 | $2,318+64.2% | $2,954+28.8% | $2,551+49.2% |
| Participant deferral / active EE | $8,318 | $4,224+96.9% | $5,098+63.2% | $4,139+101.0% |
| Admin fee / account holder | $19,441 | $9,013+115.7% | $12,098+60.7% | $7,234+168.7% |