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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 | $92,217 | $78,015+18.2% | $178,505-48.3% | $80,959+13.9% |
| Participation rate | 93.3% | 65.7%+27.7pp | 77.1%+16.2pp | 67.7%+25.7pp |
| Annual return | 14.41% | 18.10%-3.7pp | 27.16%-12.7pp | 35.67%-21.3pp |
| Employer contribution / active EE | $3,578 | $2,281+56.8% | $3,955-9.5% | $2,757+29.8% |
| Participant deferral / active EE | $6,531 | $4,406+48.2% | $6,280+4.0% | $4,300+51.9% |
| Admin fee / account holder | $1,002 | $7,160-86.0% | $10,428-90.4% | $6,925-85.5% |