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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 | $100,194+20.0% | $122,979-2.2% | $86,983+38.2% |
| Participation rate | 96.6% | 73.0%+23.6pp | 77.2%+19.4pp | 69.5%+27.0pp |
| Annual return | 13.38% | 16.47%-3.1pp | 20.12%-6.7pp | 25.83%-12.4pp |
| Employer contribution / active EE | $1,816 | $2,326-21.9% | $3,062-40.7% | $2,584-29.7% |
| Participant deferral / active EE | $8,362 | $4,133+102.3% | $5,003+67.1% | $4,194+99.4% |
| Admin fee / account holder | $7,867 | $10,148-22.5% | $12,864-38.8% | $7,856+0.1% |