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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 | $97,550+34.8% | $120,344+9.3% | $87,485+50.4% |
| Participation rate | 92.3% | 72.8%+19.5pp | 76.7%+15.6pp | 68.9%+23.4pp |
| Annual return | 16.98% | 18.41%-1.4pp | 20.30%-3.3pp | 26.06%-9.1pp |
| Employer contribution / active EE | $1,186 | $2,291-48.2% | $3,020-60.7% | $2,596-54.3% |
| Participant deferral / active EE | $7,020 | $4,230+66.0% | $5,135+36.7% | $4,274+64.3% |
| Admin fee / account holder | $11,152 | $9,543+16.9% | $12,742-12.5% | $7,775+43.4% |