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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 | $99,587 | $86,940+14.5% | $102,434-2.8% | $80,935+23.0% |
| Participation rate | 92.7% | 72.4%+20.3pp | 76.5%+16.2pp | 67.7%+25.0pp |
| Annual return | 13.25% | 18.89%-5.6pp | 29.46%-16.2pp | 35.66%-22.4pp |
| Employer contribution / active EE | $2,916 | $2,370+23.1% | $3,023-3.5% | $2,757+5.8% |
| Participant deferral / active EE | $5,992 | $4,121+45.4% | $5,055+18.5% | $4,299+39.4% |
| Admin fee / account holder | $5,972 | $8,047-25.8% | $9,462-36.9% | $6,924-13.7% |