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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 | $125,546 | $106,749+17.6% | $145,433-13.7% | $82,448+52.3% |
| Participation rate | 92.0% | 75.6%+16.4pp | 82.1%+9.9pp | 68.1%+23.9pp |
| Annual return | 14.42% | 27.59%-13.2pp | 66.58%-52.2pp | 41.64%-27.2pp |
| Employer contribution / active EE | $2,912 | $3,444-15.5% | $4,554-36.1% | $2,551+14.2% |
| Participant deferral / active EE | $8,057 | $6,519+23.6% | $7,897+2.0% | $4,139+94.7% |
| Admin fee / account holder | $1,833 | $8,390-78.2% | $13,129-86.0% | $7,234-74.7% |