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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 | $80,074 | $80,983-1.1% | $96,544-17.1% | $75,177+6.5% |
| Participation rate | 98.4% | 71.8%+26.6pp | 76.0%+22.4pp | 67.2%+31.2pp |
| Annual return | 13.74% | 27.05%-13.3pp | 25.88%-12.1pp | 160.75%-147.0pp |
| Employer contribution / active EE | $2,411 | $2,282+5.7% | $2,966-18.7% | $2,671-9.7% |
| Participant deferral / active EE | $4,952 | $3,929+26.0% | $4,851+2.1% | $4,126+20.0% |
| Admin fee / account holder | $7,157 | $6,717+6.6% | $8,254-13.3% | $5,651+26.6% |