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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 | $106,864+6.5% | $147,318-22.8% | $82,637+37.7% |
| Participation rate | 89.5% | 75.5%+14.0pp | 82.1%+7.4pp | 68.1%+21.4pp |
| Annual return | 15.72% | 27.49%-11.8pp | 70.43%-54.7pp | 53.51%-37.8pp |
| Employer contribution / active EE | $3,641 | $3,417+6.6% | $4,593-20.7% | $2,552+42.6% |
| Participant deferral / active EE | $8,682 | $6,496+33.7% | $7,906+9.8% | $4,126+110.4% |
| Admin fee / account holder | $8,925 | $8,415+6.1% | $13,708-34.9% | $7,339+21.6% |