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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 | $90,970 | $57,073+59.4% | $85,126+6.9% | $80,925+12.4% |
| Participation rate | 82.1% | 56.4%+25.7pp | 67.5%+14.6pp | 67.7%+14.5pp |
| Annual return | 13.10% | 21.69%-8.6pp | 66.63%-53.5pp | 35.65%-22.6pp |
| Employer contribution / active EE | $2,487 | $1,801+38.1% | $2,731-8.9% | $2,756-9.8% |
| Participant deferral / active EE | $4,830 | $3,113+55.2% | $4,523+6.8% | $4,299+12.4% |
| Admin fee / account holder | $4,524 | $4,988-9.3% | $6,160-26.6% | $6,940-34.8% |