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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 | $112,211 | $104,098+7.8% | $140,514-20.1% | $94,015+19.4% |
| Participation rate | 96.6% | 73.7%+22.8pp | 77.8%+18.8pp | 70.8%+25.7pp |
| Annual return | 15.51% | 15.14%+0.4pp | 14.36%+1.2pp | 17.84%-2.3pp |
| Employer contribution / active EE | $6,975 | $2,388+192.1% | $3,378+106.5% | $2,790+150.0% |
| Participant deferral / active EE | $13,019 | $4,033+222.8% | $4,919+164.7% | $4,249+206.4% |
| Admin fee / account holder | $4,309 | $10,439-58.7% | $13,697-68.5% | $8,951-51.9% |