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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 | $195,667 | $95,453+105.0% | $112,040+74.6% | $82,448+137.3% |
| Participation rate | 95.1% | 72.8%+22.4pp | 76.5%+18.6pp | 68.1%+27.1pp |
| Annual return | 12.37% | 23.92%-11.6pp | 24.52%-12.2pp | 41.64%-29.3pp |
| Employer contribution / active EE | $2,604 | $2,318+12.3% | $2,954-11.9% | $2,551+2.1% |
| Participant deferral / active EE | $9,036 | $4,224+113.9% | $5,098+77.3% | $4,139+118.3% |
| Admin fee / account holder | $8,936 | $9,013-0.9% | $12,098-26.1% | $7,234+23.5% |