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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 | $86,940+43.1% | $102,434+21.5% | $80,935+53.7% |
| Participation rate | 94.3% | 72.4%+21.9pp | 76.5%+17.8pp | 67.7%+26.6pp |
| Annual return | 11.42% | 18.89%-7.5pp | 29.46%-18.0pp | 35.66%-24.2pp |
| Employer contribution / active EE | $1,960 | $2,370-17.3% | $3,023-35.2% | $2,757-28.9% |
| Participant deferral / active EE | $5,079 | $4,121+23.3% | $5,055+0.5% | $4,299+18.1% |
| Admin fee / account holder | $13,798 | $8,047+71.5% | $9,462+45.8% | $6,924+99.3% |