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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 | $102,911 | $181,896-43.4% | $156,551-34.3% | $273,972-62.4% |
| Participation rate | 95.7% | 88.4%+7.3pp | 84.0%+11.6pp | 83.0%+12.6pp |
| Annual return | 5.23% | 30.74%-25.5pp | 32.23%-27.0pp | 41.46%-36.2pp |
| Employer contribution / active EE | $6,345 | $6,248+1.6% | $5,501+15.3% | $4,869+30.3% |
| Participant deferral / active EE | $2,822 | $5,550-49.2% | $4,871-42.1% | $5,287-46.6% |
| Admin fee / account holder | $337 | $15,560-97.8% | $13,028-97.4% | $10,133-96.7% |