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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 | $118,788 | $101,798+16.7% | $165,071-28.0% | $80,935+46.8% |
| Participation rate | 86.5% | 71.8%+14.7pp | 78.6%+7.9pp | 67.7%+18.8pp |
| Annual return | 14.05% | 16.73%-2.7pp | 70.17%-56.1pp | 35.66%-21.6pp |
| Employer contribution / active EE | $3,647 | $2,954+23.4% | $4,347-16.1% | $2,757+32.3% |
| Participant deferral / active EE | $7,096 | $4,476+58.5% | $6,035+17.6% | $4,299+65.0% |
| Admin fee / account holder | $667 | $8,221-91.9% | $12,695-94.7% | $6,924-90.4% |