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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 | $106,173 | $72,027+47.4% | $185,835-42.9% | $79,852+33.0% |
| Participation rate | 79.4% | 65.8%+13.6pp | 78.0%+1.4pp | 69.6%+9.8pp |
| Annual return | 14.30% | 23.13%-8.8pp | 35.96%-21.7pp | 31.72%-17.4pp |
| Employer contribution / active EE | $3,176 | $1,965+61.6% | $4,087-22.3% | $2,471+28.5% |
| Participant deferral / active EE | $5,944 | $3,780+57.3% | $5,633+5.5% | $3,740+58.9% |
| Admin fee / account holder | $2,331 | $4,513-48.4% | $9,502-75.5% | $5,306-56.1% |