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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 | $89,623 | $77,472+15.7% | $100,392-10.7% | $80,935+10.7% |
| Participation rate | 85.4% | 76.9%+8.4pp | 81.5%+3.9pp | 67.7%+17.7pp |
| Annual return | 16.00% | 37.26%-21.3pp | 49.45%-33.5pp | 35.66%-19.7pp |
| Employer contribution / active EE | $2,876 | $2,800+2.7% | $3,941-27.0% | $2,757+4.3% |
| Participant deferral / active EE | $7,242 | $6,818+6.2% | $8,090-10.5% | $4,299+68.4% |
| Admin fee / account holder | $368 | $5,885-93.7% | $7,904-95.3% | $6,924-94.7% |