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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 | $95,453+3.3% | $112,040-12.0% | $82,448+19.6% |
| Participation rate | 90.3% | 72.8%+17.6pp | 76.5%+13.8pp | 68.1%+22.3pp |
| Annual return | 17.42% | 23.92%-6.5pp | 24.52%-7.1pp | 41.64%-24.2pp |
| Employer contribution / active EE | $3,049 | $2,318+31.6% | $2,954+3.2% | $2,551+19.5% |
| Participant deferral / active EE | $8,879 | $4,224+110.2% | $5,098+74.2% | $4,139+114.5% |
| Admin fee / account holder | $2,149 | $9,013-76.2% | $12,098-82.2% | $7,234-70.3% |