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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 | $104,770 | $81,487+28.6% | $102,412+2.3% | $80,935+29.4% |
| Participation rate | 92.0% | 66.8%+25.2pp | 74.5%+17.5pp | 67.7%+24.3pp |
| Annual return | 12.96% | 25.60%-12.6pp | 24.94%-12.0pp | 35.66%-22.7pp |
| Employer contribution / active EE | $3,777 | $3,103+21.7% | $3,870-2.4% | $2,757+37.0% |
| Participant deferral / active EE | $7,959 | $3,871+105.6% | $5,060+57.3% | $4,299+85.1% |
| Admin fee / account holder | $1,734 | $6,717-74.2% | $8,388-79.3% | $6,924-75.0% |