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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 | $110,509 | $86,940+27.1% | $102,434+7.9% | $80,935+36.5% |
| Participation rate | 97.6% | 72.4%+25.2pp | 76.5%+21.1pp | 67.7%+30.0pp |
| Annual return | 13.48% | 18.89%-5.4pp | 29.46%-16.0pp | 35.66%-22.2pp |
| Employer contribution / active EE | $5,017 | $2,370+111.7% | $3,023+66.0% | $2,757+82.0% |
| Participant deferral / active EE | $4,182 | $4,121+1.5% | $5,055-17.3% | $4,299-2.7% |
| Admin fee / account holder | $1,225 | $8,047-84.8% | $9,462-87.1% | $6,924-82.3% |