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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 | $94,230 | $86,938+8.4% | $102,423-8.0% | $80,925+16.4% |
| Participation rate | 98.0% | 72.4%+25.6pp | 76.5%+21.5pp | 67.7%+30.3pp |
| Annual return | 20.44% | 18.89%+1.6pp | 29.42%-9.0pp | 35.65%-15.2pp |
| Employer contribution / active EE | $6,835 | $2,369+188.5% | $3,023+126.1% | $2,756+148.0% |
| Participant deferral / active EE | $9,519 | $4,120+131.0% | $5,054+88.3% | $4,299+121.4% |
| Admin fee / account holder | $1,667 | $8,053-79.3% | $9,455-82.4% | $6,940-76.0% |