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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 | $86,938+6.6% | $102,423-9.5% | $80,925+14.5% |
| Participation rate | 83.3% | 72.4%+11.0pp | 76.5%+6.8pp | 67.7%+15.7pp |
| Annual return | 17.98% | 18.89%-0.9pp | 29.42%-11.4pp | 35.65%-17.7pp |
| Employer contribution / active EE | $2,691 | $2,369+13.6% | $3,023-11.0% | $2,756-2.4% |
| Participant deferral / active EE | $5,531 | $4,120+34.2% | $5,054+9.4% | $4,299+28.7% |
| Admin fee / account holder | $7,996 | $8,053-0.7% | $9,455-15.4% | $6,940+15.2% |