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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 | $113,786 | $106,749+6.6% | $145,433-21.8% | $82,448+38.0% |
| Participation rate | 89.5% | 75.6%+13.8pp | 82.1%+7.4pp | 68.1%+21.4pp |
| Annual return | 15.72% | 27.59%-11.9pp | 66.58%-50.9pp | 41.64%-25.9pp |
| Employer contribution / active EE | $3,641 | $3,444+5.7% | $4,554-20.1% | $2,551+42.7% |
| Participant deferral / active EE | $8,682 | $6,519+33.2% | $7,897+9.9% | $4,139+109.8% |
| Admin fee / account holder | $8,925 | $8,390+6.4% | $13,129-32.0% | $7,234+23.4% |