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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 | $103,431 | $97,550+6.0% | $120,344-14.1% | $87,485+18.2% |
| Participation rate | 97.4% | 72.8%+24.5pp | 76.7%+20.7pp | 68.9%+28.4pp |
| Annual return | 17.32% | 18.41%-1.1pp | 20.30%-3.0pp | 26.06%-8.7pp |
| Employer contribution / active EE | $1,629 | $2,291-28.9% | $3,020-46.1% | $2,596-37.3% |
| Participant deferral / active EE | $5,206 | $4,230+23.1% | $5,135+1.4% | $4,274+21.8% |
| Admin fee / account holder | $7,709 | $9,543-19.2% | $12,742-39.5% | $7,775-0.8% |