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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 | $103,399 | $95,453+8.3% | $112,040-7.7% | $82,448+25.4% |
| Participation rate | 91.7% | 72.8%+18.9pp | 76.5%+15.2pp | 68.1%+23.6pp |
| Annual return | 14.81% | 23.92%-9.1pp | 24.52%-9.7pp | 41.64%-26.8pp |
| Employer contribution / active EE | $3,328 | $2,318+43.6% | $2,954+12.6% | $2,551+30.4% |
| Participant deferral / active EE | $3,537 | $4,224-16.3% | $5,098-30.6% | $4,139-14.6% |
| Admin fee / account holder | $14,753 | $9,013+63.7% | $12,098+21.9% | $7,234+103.9% |