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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 | $107,098 | $72,273+48.2% | $101,275+5.8% | $79,856+34.1% |
| Participation rate | 80.5% | 68.5%+12.0pp | 75.8%+4.7pp | 69.6%+10.8pp |
| Annual return | 11.75% | 22.30%-10.5pp | 46.48%-34.7pp | 31.71%-20.0pp |
| Employer contribution / active EE | $2,701 | $2,691+0.4% | $3,660-26.2% | $2,471+9.3% |
| Participant deferral / active EE | $6,132 | $3,282+86.8% | $4,371+40.3% | $3,741+63.9% |
| Admin fee / account holder | $5,718 | $4,401+29.9% | $5,948-3.9% | $5,306+7.8% |