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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 | $81,487+33.3% | $102,412+6.0% | $80,935+34.2% |
| Participation rate | 96.3% | 66.8%+29.5pp | 74.5%+21.8pp | 67.7%+28.6pp |
| Annual return | 16.45% | 25.60%-9.2pp | 24.94%-8.5pp | 35.66%-19.2pp |
| Employer contribution / active EE | $2,758 | $3,103-11.1% | $3,870-28.7% | $2,757+0.1% |
| Participant deferral / active EE | $6,334 | $3,871+63.6% | $5,060+25.2% | $4,299+47.3% |
| Admin fee / account holder | $3,210 | $6,717-52.2% | $8,388-61.7% | $6,924-53.6% |