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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 | $114,877 | $58,493+96.4% | $84,023+36.7% | $72,976+57.4% |
| Participation rate | 96.2% | 61.2%+34.9pp | 69.0%+27.1pp | 69.5%+26.7pp |
| Annual return | 26.71% | 28.93%-2.2pp | 71.32%-44.6pp | 81.02%-54.3pp |
| Employer contribution / active EE | $2,093 | $1,163+79.9% | $1,984+5.5% | $2,440-14.2% |
| Participant deferral / active EE | $6,866 | $2,394+186.8% | $3,239+112.0% | $3,608+90.3% |
| Admin fee / account holder | $2,683 | $4,569-41.3% | $6,102-56.0% | $5,124-47.6% |