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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 | $109,309 | $86,938+25.7% | $102,423+6.7% | $80,925+35.1% |
| Participation rate | 88.1% | 72.4%+15.7pp | 76.5%+11.6pp | 67.7%+20.4pp |
| Annual return | 18.97% | 18.89%+0.1pp | 29.42%-10.4pp | 35.65%-16.7pp |
| Employer contribution / active EE | $2,873 | $2,369+21.3% | $3,023-4.9% | $2,756+4.3% |
| Participant deferral / active EE | $5,271 | $4,120+27.9% | $5,054+4.3% | $4,299+22.6% |
| Admin fee / account holder | $4,789 | $8,053-40.5% | $9,455-49.3% | $6,940-31.0% |