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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 | $84,201 | $60,349+39.5% | $74,184+13.5% | $62,881+33.9% |
| Participation rate | 97.4% | 72.7%+24.7pp | 76.6%+20.8pp | 69.3%+28.1pp |
| Annual return | 6.40% | 21.38%-15.0pp | 17.74%-11.3pp | 20.14%-13.7pp |
| Employer contribution / active EE | $3,563 | $1,680+112.1% | $2,370+50.3% | $2,281+56.2% |
| Participant deferral / active EE | $2,326 | $2,856-18.6% | $3,550-34.5% | $3,203-27.4% |
| Admin fee / account holder | $3,856 | $4,261-9.5% | $5,586-31.0% | $4,296-10.2% |