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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 | $131,953 | $114,712+15.0% | $173,730-24.0% | $87,485+50.8% |
| Participation rate | 92.0% | 73.0%+19.0pp | 79.6%+12.4pp | 68.9%+23.1pp |
| Annual return | 16.07% | 20.18%-4.1pp | 19.96%-3.9pp | 26.06%-10.0pp |
| Employer contribution / active EE | $2,823 | $2,904-2.8% | $4,577-38.3% | $2,596+8.7% |
| Participant deferral / active EE | $6,541 | $4,642+40.9% | $6,326+3.4% | $4,274+53.1% |
| Admin fee / account holder | $2,779 | $10,210-72.8% | $17,523-84.1% | $7,775-64.3% |