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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 | $138,964 | $114,712+21.1% | $173,730-20.0% | $87,485+58.8% |
| Participation rate | 96.3% | 73.0%+23.3pp | 79.6%+16.7pp | 68.9%+27.4pp |
| Annual return | 13.79% | 20.18%-6.4pp | 19.96%-6.2pp | 26.06%-12.3pp |
| Employer contribution / active EE | $3,652 | $2,904+25.7% | $4,577-20.2% | $2,596+40.7% |
| Participant deferral / active EE | $10,190 | $4,642+119.5% | $6,326+61.1% | $4,274+138.4% |
| Admin fee / account holder | $6,742 | $10,210-34.0% | $17,523-61.5% | $7,775-13.3% |