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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 | $88,965 | $63,365+40.4% | $91,994-3.3% | $72,976+21.9% |
| Participation rate | 93.2% | 72.5%+20.7pp | 78.6%+14.5pp | 69.5%+23.7pp |
| Annual return | 23.19% | 35.35%-12.2pp | 69.04%-45.8pp | 81.02%-57.8pp |
| Employer contribution / active EE | $2,844 | $2,116+34.4% | $3,453-17.6% | $2,440+16.6% |
| Participant deferral / active EE | $6,979 | $4,883+42.9% | $5,924+17.8% | $3,608+93.4% |
| Admin fee / account holder | $6,268 | $4,670+34.2% | $7,744-19.1% | $5,124+22.3% |