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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 | $98,859 | $138,393-28.6% | $184,256-46.3% | $80,959+22.1% |
| Participation rate | 92.9% | 83.9%+9.0pp | 86.8%+6.0pp | 67.7%+25.2pp |
| Annual return | 16.35% | 20.01%-3.7pp | 28.85%-12.5pp | 35.67%-19.3pp |
| Employer contribution / active EE | $5,664 | $4,847+16.8% | $6,427-11.9% | $2,757+105.4% |
| Participant deferral / active EE | $9,403 | $7,076+32.9% | $9,133+3.0% | $4,300+118.7% |
| Admin fee / account holder | $14,169 | $10,489+35.1% | $13,899+1.9% | $6,925+104.6% |