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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 | $122,077 | $81,457+49.9% | $103,378+18.1% | $80,911+50.9% |
| Participation rate | 73.5% | 66.8%+6.7pp | 74.5%-1.0pp | 67.6%+5.9pp |
| Annual return | 14.40% | 25.58%-11.2pp | 24.91%-10.5pp | 35.63%-21.2pp |
| Employer contribution / active EE | $2,402 | $3,107-22.7% | $3,870-37.9% | $2,756-12.8% |
| Participant deferral / active EE | $4,226 | $3,871+9.2% | $5,058-16.4% | $4,297-1.7% |
| Admin fee / account holder | $6,871 | $6,717+2.3% | $8,401-18.2% | $6,935-0.9% |