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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 | $113,543 | $153,769-26.2% | $133,975-15.3% | $273,972-58.6% |
| Participation rate | 95.0% | 88.4%+6.6pp | 87.1%+7.9pp | 83.0%+12.0pp |
| Annual return | 8.45% | 36.51%-28.1pp | 29.29%-20.8pp | 41.46%-33.0pp |
| Employer contribution / active EE | $5,306 | $6,029-12.0% | $5,211+1.8% | $4,869+9.0% |
| Participant deferral / active EE | $13,355 | $6,958+91.9% | $6,282+112.6% | $5,287+152.6% |
| Admin fee / account holder | $10,045 | $11,765-14.6% | $9,324+7.7% | $10,133-0.9% |