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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 | $99,166 | $60,349+64.3% | $74,184+33.7% | $62,881+57.7% |
| Participation rate | 93.3% | 72.7%+20.6pp | 76.6%+16.7pp | 69.3%+24.0pp |
| Annual return | 9.97% | 21.38%-11.4pp | 17.74%-7.8pp | 20.14%-10.2pp |
| Employer contribution / active EE | $2,134 | $1,680+27.0% | $2,370-9.9% | $2,281-6.4% |
| Participant deferral / active EE | $5,962 | $2,856+108.7% | $3,550+68.0% | $3,203+86.1% |
| Admin fee / account holder | $4,399 | $4,261+3.2% | $5,586-21.2% | $4,296+2.4% |