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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 | $99,692 | $86,949+14.7% | $102,460-2.7% | $80,959+23.1% |
| Participation rate | 78.3% | 72.4%+5.9pp | 76.5%+1.8pp | 67.7%+10.6pp |
| Annual return | 39.89% | 18.89%+21.0pp | 29.47%+10.4pp | 35.67%+4.2pp |
| Employer contribution / active EE | $2,785 | $2,370+17.5% | $3,025-8.0% | $2,757+1.0% |
| Participant deferral / active EE | $5,198 | $4,121+26.1% | $5,056+2.8% | $4,300+20.9% |
| Admin fee / account holder | $1,383 | $8,048-82.8% | $9,460-85.4% | $6,925-80.0% |