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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 | $92,668 | $86,949+6.6% | $102,460-9.6% | $80,959+14.5% |
| Participation rate | 83.3% | 72.4%+10.9pp | 76.5%+6.8pp | 67.7%+15.7pp |
| Annual return | 17.98% | 18.89%-0.9pp | 29.47%-11.5pp | 35.67%-17.7pp |
| Employer contribution / active EE | $2,691 | $2,370+13.5% | $3,025-11.1% | $2,757-2.4% |
| Participant deferral / active EE | $5,531 | $4,121+34.2% | $5,056+9.4% | $4,300+28.6% |
| Admin fee / account holder | $7,996 | $8,048-0.6% | $9,460-15.5% | $6,925+15.5% |