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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 | $82,147 | $76,551+7.3% | $123,894-33.7% | $62,881+30.6% |
| Participation rate | 94.9% | 73.0%+21.9pp | 81.4%+13.5pp | 69.3%+25.6pp |
| Annual return | 10.47% | 18.68%-8.2pp | 47.52%-37.1pp | 20.14%-9.7pp |
| Employer contribution / active EE | $2,561 | $2,882-11.2% | $4,617-44.5% | $2,281+12.3% |
| Participant deferral / active EE | $5,487 | $4,840+13.4% | $5,984-8.3% | $3,203+71.3% |
| Admin fee / account holder | $3,752 | $4,826-22.3% | $8,357-55.1% | $4,296-12.7% |