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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 | $113,902 | $95,453+19.3% | $112,040+1.7% | $82,448+38.1% |
| Participation rate | 98.6% | 72.8%+25.8pp | 76.5%+22.1pp | 68.1%+30.5pp |
| Annual return | 13.13% | 23.92%-10.8pp | 24.52%-11.4pp | 41.64%-28.5pp |
| Employer contribution / active EE | $2,897 | $2,318+25.0% | $2,954-1.9% | $2,551+13.6% |
| Participant deferral / active EE | $5,266 | $4,224+24.7% | $5,098+3.3% | $4,139+27.2% |
| Admin fee / account holder | $6,970 | $9,013-22.7% | $12,098-42.4% | $7,234-3.7% |