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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 | $124,409 | $86,919+43.1% | $102,457+21.4% | $80,911+53.8% |
| Participation rate | 94.3% | 72.4%+21.9pp | 76.5%+17.8pp | 67.6%+26.6pp |
| Annual return | 11.42% | 18.90%-7.5pp | 29.41%-18.0pp | 35.63%-24.2pp |
| Employer contribution / active EE | $1,960 | $2,368-17.2% | $3,022-35.1% | $2,756-28.9% |
| Participant deferral / active EE | $5,079 | $4,119+23.3% | $5,054+0.5% | $4,297+18.2% |
| Admin fee / account holder | $13,798 | $8,049+71.4% | $9,451+46.0% | $6,935+99.0% |