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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 | $86,938+17.1% | $102,423-0.6% | $80,925+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 | 29.42%-13.4pp | 35.65%-19.6pp |
| Employer contribution / active EE | $4,409 | $2,369+86.1% | $3,023+45.9% | $2,756+60.0% |
| Participant deferral / active EE | $9,979 | $4,120+142.2% | $5,054+97.4% | $4,299+132.1% |
| Admin fee / account holder | $16,424 | $8,053+104.0% | $9,455+73.7% | $6,940+136.6% |