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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 | $131,545 | $95,453+37.8% | $112,040+17.4% | $82,448+59.5% |
| Participation rate | 92.3% | 72.8%+19.6pp | 76.5%+15.8pp | 68.1%+24.2pp |
| Annual return | 16.98% | 23.92%-6.9pp | 24.52%-7.5pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,186 | $2,318-48.8% | $2,954-59.9% | $2,551-53.5% |
| Participant deferral / active EE | $7,020 | $4,224+66.2% | $5,098+37.7% | $4,139+69.6% |
| Admin fee / account holder | $11,152 | $9,013+23.7% | $12,098-7.8% | $7,234+54.2% |