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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 | $114,462 | $80,983+41.3% | $96,544+18.6% | $75,177+52.3% |
| Participation rate | 80.9% | 71.8%+9.1pp | 76.0%+4.9pp | 67.2%+13.6pp |
| Annual return | 33.96% | 27.05%+6.9pp | 25.88%+8.1pp | 160.75%-126.8pp |
| Employer contribution / active EE | $1,410 | $2,282-38.2% | $2,966-52.5% | $2,671-47.2% |
| Participant deferral / active EE | $4,099 | $3,929+4.3% | $4,851-15.5% | $4,126-0.7% |
| Admin fee / account holder | $1,836 | $6,717-72.7% | $8,254-77.8% | $5,651-67.5% |