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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 | $95,022 | $80,983+17.3% | $96,544-1.6% | $75,177+26.4% |
| Participation rate | 86.5% | 71.8%+14.7pp | 76.0%+10.5pp | 67.2%+19.3pp |
| Annual return | 16.44% | 27.05%-10.6pp | 25.88%-9.4pp | 160.75%-144.3pp |
| Employer contribution / active EE | $2,462 | $2,282+7.9% | $2,966-17.0% | $2,671-7.8% |
| Participant deferral / active EE | $6,585 | $3,929+67.6% | $4,851+35.7% | $4,126+59.6% |
| Admin fee / account holder | $7,278 | $6,717+8.4% | $8,254-11.8% | $5,651+28.8% |