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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 | $79,484 | $70,486+12.8% | $100,535-20.9% | $79,856-0.5% |
| Participation rate | 91.2% | 73.6%+17.5pp | 79.4%+11.8pp | 69.6%+21.5pp |
| Annual return | 16.17% | 21.90%-5.7pp | 30.90%-14.7pp | 31.71%-15.5pp |
| Employer contribution / active EE | $3,917 | $2,165+80.9% | $3,419+14.6% | $2,471+58.5% |
| Participant deferral / active EE | $9,210 | $5,182+77.7% | $6,271+46.9% | $3,741+146.2% |
| Admin fee / account holder | $6,737 | $4,480+50.4% | $8,085-16.7% | $5,306+27.0% |