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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 | $100,194+3.2% | $122,979-15.9% | $86,983+18.9% |
| Participation rate | 97.4% | 73.0%+24.4pp | 77.2%+20.2pp | 69.5%+27.8pp |
| Annual return | 17.32% | 16.47%+0.8pp | 20.12%-2.8pp | 25.83%-8.5pp |
| Employer contribution / active EE | $1,629 | $2,326-30.0% | $3,062-46.8% | $2,584-37.0% |
| Participant deferral / active EE | $5,206 | $4,133+25.9% | $5,003+4.1% | $4,194+24.1% |
| Admin fee / account holder | $7,709 | $10,148-24.0% | $12,864-40.1% | $7,856-1.9% |