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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 | $126,376 | $104,098+21.4% | $140,514-10.1% | $94,015+34.4% |
| Participation rate | 85.7% | 73.7%+12.0pp | 77.8%+7.9pp | 70.8%+14.9pp |
| Annual return | 10.55% | 15.14%-4.6pp | 14.36%-3.8pp | 17.84%-7.3pp |
| Employer contribution / active EE | $1,885 | $2,388-21.1% | $3,378-44.2% | $2,790-32.4% |
| Participant deferral / active EE | $5,790 | $4,033+43.6% | $4,919+17.7% | $4,249+36.2% |
| Admin fee / account holder | $10,062 | $10,439-3.6% | $13,697-26.5% | $8,951+12.4% |