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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 | $101,809 | $86,949+17.1% | $102,460-0.6% | $80,959+25.8% |
| Participation rate | 76.0% | 72.4%+3.6pp | 76.5%-0.5pp | 67.7%+8.3pp |
| Annual return | 16.07% | 18.89%-2.8pp | 29.47%-13.4pp | 35.67%-19.6pp |
| Employer contribution / active EE | $4,409 | $2,370+86.1% | $3,025+45.7% | $2,757+59.9% |
| Participant deferral / active EE | $9,979 | $4,121+142.1% | $5,056+97.4% | $4,300+132.0% |
| Admin fee / account holder | $16,424 | $8,048+104.1% | $9,460+73.6% | $6,925+137.2% |