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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 | $95,769 | $93,064+2.9% | $74,577+28.4% | $273,972-65.0% |
| Participation rate | 86.7% | 74.9%+11.7pp | 68.1%+18.6pp | 83.0%+3.7pp |
| Annual return | 6.27% | 26.18%-19.9pp | 20.47%-14.2pp | 41.46%-35.2pp |
| Employer contribution / active EE | $3,983 | $3,160+26.1% | $2,525+57.7% | $4,869-18.2% |
| Participant deferral / active EE | $4,307 | $4,160+3.5% | $3,458+24.5% | $5,287-18.5% |
| Admin fee / account holder | $2,718 | $5,273-48.4% | $4,138-34.3% | $10,133-73.2% |