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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 | $94,092 | $89,515+5.1% | $103,486-9.1% | $80,935+16.3% |
| Participation rate | 97.9% | 76.0%+21.9pp | 80.5%+17.4pp | 67.7%+30.3pp |
| Annual return | 11.75% | 22.82%-11.1pp | 23.93%-12.2pp | 35.66%-23.9pp |
| Employer contribution / active EE | $3,210 | $4,015-20.1% | $4,679-31.4% | $2,757+16.4% |
| Participant deferral / active EE | $8,310 | $5,463+52.1% | $6,628+25.4% | $4,299+93.3% |
| Admin fee / account holder | $2,383 | $6,527-63.5% | $9,354-74.5% | $6,924-65.6% |