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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 | $104,603 | $99,345+5.3% | $84,753+23.4% | $273,972-61.8% |
| Participation rate | 86.7% | 80.7%+6.0pp | 76.6%+10.1pp | 83.0%+3.7pp |
| Annual return | 6.95% | 22.93%-16.0pp | 22.78%-15.8pp | 41.46%-34.5pp |
| Employer contribution / active EE | $3,591 | $4,214-14.8% | $3,574+0.5% | $4,869-26.2% |
| Participant deferral / active EE | $7,743 | $4,270+81.3% | $3,712+108.6% | $5,287+46.4% |
| Admin fee / account holder | $8,922 | $6,645+34.3% | $5,333+67.3% | $10,133-11.9% |