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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 | $108,604 | $81,457+33.3% | $103,378+5.1% | $80,911+34.2% |
| Participation rate | 96.3% | 66.8%+29.4pp | 74.5%+21.8pp | 67.6%+28.6pp |
| Annual return | 16.45% | 25.58%-9.1pp | 24.91%-8.5pp | 35.63%-19.2pp |
| Employer contribution / active EE | $2,758 | $3,107-11.2% | $3,870-28.7% | $2,756+0.1% |
| Participant deferral / active EE | $6,334 | $3,871+63.6% | $5,058+25.2% | $4,297+47.4% |
| Admin fee / account holder | $3,210 | $6,717-52.2% | $8,401-61.8% | $6,935-53.7% |