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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 | $91,724 | $72,273+26.9% | $101,275-9.4% | $79,856+14.9% |
| Participation rate | 84.0% | 68.5%+15.5pp | 75.8%+8.2pp | 69.6%+14.4pp |
| Annual return | 18.43% | 22.30%-3.9pp | 46.48%-28.1pp | 31.71%-13.3pp |
| Employer contribution / active EE | $2,976 | $2,691+10.6% | $3,660-18.7% | $2,471+20.4% |
| Participant deferral / active EE | $6,498 | $3,282+98.0% | $4,371+48.7% | $3,741+73.7% |
| Admin fee / account holder | $6,385 | $4,401+45.1% | $5,948+7.3% | $5,306+20.3% |