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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 | $90,976 | $78,520+15.9% | $96,576-5.8% | $82,448+10.3% |
| Participation rate | 92.9% | 77.7%+15.1pp | 81.4%+11.4pp | 68.1%+24.8pp |
| Annual return | 15.88% | 41.30%-25.4pp | 38.47%-22.6pp | 41.64%-25.8pp |
| Employer contribution / active EE | $2,885 | $2,630+9.7% | $3,553-18.8% | $2,551+13.1% |
| Participant deferral / active EE | $7,354 | $6,754+8.9% | $7,956-7.6% | $4,139+77.7% |
| Admin fee / account holder | $4,935 | $13,455-63.3% | $11,381-56.6% | $7,234-31.8% |