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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 | $107,911 | $95,453+13.1% | $112,040-3.7% | $82,448+30.9% |
| Participation rate | 93.1% | 72.8%+20.3pp | 76.5%+16.6pp | 68.1%+25.0pp |
| Annual return | 18.97% | 23.92%-5.0pp | 24.52%-5.6pp | 41.64%-22.7pp |
| Employer contribution / active EE | $4,064 | $2,318+75.3% | $2,954+37.6% | $2,551+59.3% |
| Participant deferral / active EE | $4,867 | $4,224+15.2% | $5,098-4.5% | $4,139+17.6% |
| Admin fee / account holder | $3,866 | $9,013-57.1% | $12,098-68.0% | $7,234-46.6% |