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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 | $98,897 | $95,404+3.7% | $113,397-12.8% | $82,637+19.7% |
| Participation rate | 80.0% | 72.8%+7.2pp | 76.5%+3.5pp | 68.1%+11.9pp |
| Annual return | 15.22% | 19.08%-3.9pp | 23.20%-8.0pp | 53.51%-38.3pp |
| Employer contribution / active EE | $1,968 | $2,307-14.7% | $2,977-33.9% | $2,552-22.9% |
| Participant deferral / active EE | $4,174 | $4,220-1.1% | $5,076-17.8% | $4,126+1.2% |
| Admin fee / account holder | $8,020 | $9,168-12.5% | $11,957-32.9% | $7,339+9.3% |