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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 | $103,657 | $86,919+19.3% | $102,457+1.2% | $80,911+28.1% |
| Participation rate | 94.3% | 72.4%+21.9pp | 76.5%+17.8pp | 67.6%+26.6pp |
| Annual return | 15.87% | 18.90%-3.0pp | 29.41%-13.5pp | 35.63%-19.8pp |
| Employer contribution / active EE | $1,492 | $2,368-37.0% | $3,022-50.6% | $2,756-45.9% |
| Participant deferral / active EE | $7,342 | $4,119+78.2% | $5,054+45.3% | $4,297+70.8% |
| Admin fee / account holder | $6,790 | $8,049-15.6% | $9,451-28.2% | $6,935-2.1% |