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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 | $102,034 | $95,453+6.9% | $112,040-8.9% | $82,448+23.8% |
| Participation rate | 92.6% | 72.8%+19.8pp | 76.5%+16.1pp | 68.1%+24.5pp |
| Annual return | 14.26% | 23.92%-9.7pp | 24.52%-10.3pp | 41.64%-27.4pp |
| Employer contribution / active EE | $1,460 | $2,318-37.0% | $2,954-50.6% | $2,551-42.8% |
| Participant deferral / active EE | $4,289 | $4,224+1.5% | $5,098-15.9% | $4,139+3.6% |
| Admin fee / account holder | $2,220 | $9,013-75.4% | $12,098-81.7% | $7,234-69.3% |