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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 | $98,617 | $97,550+1.1% | $120,344-18.1% | $87,485+12.7% |
| Participation rate | 90.3% | 72.8%+17.5pp | 76.7%+13.6pp | 68.9%+21.4pp |
| Annual return | 17.42% | 18.41%-1.0pp | 20.30%-2.9pp | 26.06%-8.6pp |
| Employer contribution / active EE | $3,049 | $2,291+33.1% | $3,020+1.0% | $2,596+17.5% |
| Participant deferral / active EE | $8,879 | $4,230+109.9% | $5,135+72.9% | $4,274+107.8% |
| Admin fee / account holder | $2,149 | $9,543-77.5% | $12,742-83.1% | $7,775-72.4% |