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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 | $121,979 | $86,949+40.3% | $102,460+19.1% | $80,959+50.7% |
| Participation rate | 88.4% | 72.4%+16.0pp | 76.5%+11.9pp | 67.7%+20.7pp |
| Annual return | 11.20% | 18.89%-7.7pp | 29.47%-18.3pp | 35.67%-24.5pp |
| Employer contribution / active EE | $2,748 | $2,370+15.9% | $3,025-9.2% | $2,757-0.3% |
| Participant deferral / active EE | $6,044 | $4,121+46.7% | $5,056+19.5% | $4,300+40.5% |
| Admin fee / account holder | $4,869 | $8,048-39.5% | $9,460-48.5% | $6,925-29.7% |