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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 | $127,311 | $95,453+33.4% | $112,040+13.6% | $82,448+54.4% |
| Participation rate | 79.5% | 72.8%+6.8pp | 76.5%+3.1pp | 68.1%+11.5pp |
| Annual return | 19.51% | 23.92%-4.4pp | 24.52%-5.0pp | 41.64%-22.1pp |
| Employer contribution / active EE | $3,674 | $2,318+58.5% | $2,954+24.4% | $2,551+44.0% |
| Participant deferral / active EE | $9,002 | $4,224+113.1% | $5,098+76.6% | $4,139+117.5% |
| Admin fee / account holder | $346 | $9,013-96.2% | $12,098-97.1% | $7,234-95.2% |