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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 | $126,145 | $95,453+32.2% | $112,040+12.6% | $82,448+53.0% |
| Participation rate | 93.9% | 72.8%+21.2pp | 76.5%+17.4pp | 68.1%+25.9pp |
| Annual return | 14.62% | 23.92%-9.3pp | 24.52%-9.9pp | 41.64%-27.0pp |
| Employer contribution / active EE | $3,314 | $2,318+43.0% | $2,954+12.2% | $2,551+29.9% |
| Participant deferral / active EE | $6,138 | $4,224+45.3% | $5,098+20.4% | $4,139+48.3% |
| Admin fee / account holder | $5,682 | $9,013-37.0% | $12,098-53.0% | $7,234-21.5% |