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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 | $102,466 | $76,564+33.8% | $105,582-3.0% | $94,015+9.0% |
| Participation rate | 75.7% | 65.2%+10.5pp | 71.8%+3.9pp | 70.8%+4.9pp |
| Annual return | 15.61% | 20.69%-5.1pp | 18.61%-3.0pp | 17.84%-2.2pp |
| Employer contribution / active EE | $1,727 | $1,995-13.5% | $2,984-42.1% | $2,790-38.1% |
| Participant deferral / active EE | $4,493 | $3,320+35.3% | $4,353+3.2% | $4,249+5.7% |
| Admin fee / account holder | $5,743 | $7,129-19.4% | $12,856-55.3% | $8,951-35.8% |