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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 | $120,224 | $95,404+26.0% | $113,397+6.0% | $82,637+45.5% |
| Participation rate | 96.6% | 72.8%+23.7pp | 76.5%+20.1pp | 68.1%+28.5pp |
| Annual return | 13.38% | 19.08%-5.7pp | 23.20%-9.8pp | 53.51%-40.1pp |
| Employer contribution / active EE | $1,816 | $2,307-21.3% | $2,977-39.0% | $2,552-28.8% |
| Participant deferral / active EE | $8,362 | $4,220+98.2% | $5,076+64.7% | $4,126+102.7% |
| Admin fee / account holder | $7,867 | $9,168-14.2% | $11,957-34.2% | $7,339+7.2% |