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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 | $89,179 | $81,476+9.5% | $102,383-12.9% | $80,925+10.2% |
| Participation rate | 72.0% | 66.8%+5.2pp | 74.5%-2.5pp | 67.7%+4.3pp |
| Annual return | 12.90% | 25.59%-12.7pp | 24.94%-12.0pp | 35.65%-22.7pp |
| Employer contribution / active EE | $3,953 | $3,105+27.3% | $3,870+2.1% | $2,756+43.4% |
| Participant deferral / active EE | $8,942 | $3,871+131.0% | $5,060+76.7% | $4,299+108.0% |
| Admin fee / account holder | $6,348 | $6,717-5.5% | $8,391-24.4% | $6,940-8.5% |