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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 | $92,034 | $69,444+32.5% | $92,985-1.0% | $87,485+5.2% |
| Participation rate | 79.6% | 63.3%+16.3pp | 69.5%+10.1pp | 68.9%+10.7pp |
| Annual return | 17.02% | 23.85%-6.8pp | 27.99%-11.0pp | 26.06%-9.0pp |
| Employer contribution / active EE | $2,952 | $1,917+54.0% | $2,662+10.9% | $2,596+13.7% |
| Participant deferral / active EE | $7,492 | $3,364+122.7% | $4,377+71.2% | $4,274+75.3% |
| Admin fee / account holder | $1,941 | $6,137-68.4% | $9,463-79.5% | $7,775-75.0% |