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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 | $115,681 | $95,453+21.2% | $112,040+3.2% | $82,448+40.3% |
| Participation rate | 96.3% | 72.8%+23.5pp | 76.5%+19.8pp | 68.1%+28.2pp |
| Annual return | 14.62% | 23.92%-9.3pp | 24.52%-9.9pp | 41.64%-27.0pp |
| Employer contribution / active EE | $8,229 | $2,318+255.0% | $2,954+178.6% | $2,551+222.6% |
| Participant deferral / active EE | $6,004 | $4,224+42.1% | $5,098+17.8% | $4,139+45.0% |
| Admin fee / account holder | $1,365 | $9,013-84.9% | $12,098-88.7% | $7,234-81.1% |