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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 | $81,504+33.3% | $102,437+6.0% | $80,959+34.1% |
| Participation rate | 96.3% | 66.9%+29.4pp | 74.5%+21.8pp | 67.7%+28.6pp |
| Annual return | 16.45% | 25.60%-9.2pp | 24.95%-8.5pp | 35.67%-19.2pp |
| Employer contribution / active EE | $2,758 | $3,104-11.1% | $3,871-28.7% | $2,7570% |
| Participant deferral / active EE | $6,334 | $3,871+63.6% | $5,060+25.2% | $4,300+47.3% |
| Admin fee / account holder | $3,210 | $6,719-52.2% | $8,388-61.7% | $6,925-53.7% |