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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 | $107,555 | $86,949+23.7% | $102,460+5.0% | $80,959+32.9% |
| Participation rate | 91.3% | 72.4%+18.9pp | 76.5%+14.8pp | 67.7%+23.6pp |
| Annual return | 14.58% | 18.89%-4.3pp | 29.47%-14.9pp | 35.67%-21.1pp |
| Employer contribution / active EE | $3,818 | $2,370+61.1% | $3,025+26.2% | $2,757+38.5% |
| Participant deferral / active EE | $9,860 | $4,121+139.2% | $5,056+95.0% | $4,300+129.3% |
| Admin fee / account holder | $11,435 | $8,048+42.1% | $9,460+20.9% | $6,925+65.1% |