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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 | $147,444 | $86,949+69.6% | $102,460+43.9% | $80,959+82.1% |
| Participation rate | 85.2% | 72.4%+12.8pp | 76.5%+8.7pp | 67.7%+17.5pp |
| Annual return | 10.72% | 18.89%-8.2pp | 29.47%-18.8pp | 35.67%-24.9pp |
| Employer contribution / active EE | $2,754 | $2,370+16.2% | $3,025-9.0% | $2,757-0.1% |
| Participant deferral / active EE | $6,202 | $4,121+50.5% | $5,056+22.7% | $4,300+44.2% |
| Admin fee / account holder | $9,021 | $8,048+12.1% | $9,460-4.6% | $6,925+30.3% |