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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 | $84,704 | $199,109-57.5% | $173,730-51.2% | $154,746-45.3% |
| Participation rate | 88.2% | 82.8%+5.4pp | 79.6%+8.7pp | 80.7%+7.5pp |
| Annual return | 20.31% | 20.02%+0.3pp | 19.96%+0.4pp | 172.34%-152.0pp |
| Employer contribution / active EE | $4,434 | $5,311-16.5% | $4,577-3.1% | $4,379+1.3% |
| Participant deferral / active EE | $11,015 | $7,113+54.9% | $6,326+74.1% | $6,730+63.7% |
| Admin fee / account holder | $2,647 | $20,916-87.3% | $17,523-84.9% | $14,365-81.6% |