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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 | $121,068 | $81,476+48.6% | $102,383+18.3% | $80,925+49.6% |
| Participation rate | 96.2% | 66.8%+29.3pp | 74.5%+21.6pp | 67.7%+28.5pp |
| Annual return | 16.91% | 25.59%-8.7pp | 24.94%-8.0pp | 35.65%-18.7pp |
| Employer contribution / active EE | $3,605 | $3,105+16.1% | $3,870-6.9% | $2,756+30.8% |
| Participant deferral / active EE | $4,443 | $3,871+14.8% | $5,060-12.2% | $4,299+3.4% |
| Admin fee / account holder | $5,002 | $6,717-25.5% | $8,391-40.4% | $6,940-27.9% |