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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 | $100,194+12.0% | $122,979-8.8% | $86,983+29.0% |
| Participation rate | 96.6% | 73.0%+23.6pp | 77.2%+19.4pp | 69.5%+27.0pp |
| Annual return | 15.51% | 16.47%-1.0pp | 20.12%-4.6pp | 25.83%-10.3pp |
| Employer contribution / active EE | $6,975 | $2,326+199.9% | $3,062+127.8% | $2,584+169.9% |
| Participant deferral / active EE | $13,019 | $4,133+215.0% | $5,003+160.2% | $4,194+210.4% |
| Admin fee / account holder | $4,309 | $10,148-57.5% | $12,864-66.5% | $7,856-45.2% |