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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 | $89,586 | $86,938+3.0% | $102,423-12.5% | $80,925+10.7% |
| Participation rate | 93.1% | 72.4%+20.7pp | 76.5%+16.6pp | 67.7%+25.4pp |
| Annual return | 13.70% | 18.89%-5.2pp | 29.42%-15.7pp | 35.65%-21.9pp |
| Employer contribution / active EE | $3,644 | $2,369+53.8% | $3,023+20.5% | $2,756+32.2% |
| Participant deferral / active EE | $6,180 | $4,120+50.0% | $5,054+22.3% | $4,299+43.8% |
| Admin fee / account holder | $2,124 | $8,053-73.6% | $9,455-77.5% | $6,940-69.4% |