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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 | $116,311 | $72,269+60.9% | $101,271+14.9% | $79,852+45.7% |
| Participation rate | 92.3% | 68.5%+23.8pp | 75.8%+16.5pp | 69.6%+22.7pp |
| Annual return | 26.44% | 22.29%+4.2pp | 46.48%-20.0pp | 31.72%-5.3pp |
| Employer contribution / active EE | $2,874 | $2,692+6.8% | $3,660-21.5% | $2,471+16.3% |
| Participant deferral / active EE | $6,802 | $3,282+107.3% | $4,371+55.6% | $3,740+81.9% |
| Admin fee / account holder | $2,653 | $4,401-39.7% | $5,948-55.4% | $5,306-50.0% |