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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 | $95,857 | $67,602+41.8% | $82,312+16.5% | $70,126+36.7% |
| Participation rate | 95.3% | 72.8%+22.6pp | 76.9%+18.5pp | 69.5%+25.8pp |
| Annual return | 13.52% | 21.57%-8.0pp | 25.88%-12.4pp | 73.15%-59.6pp |
| Employer contribution / active EE | $3,597 | $1,755+105.0% | $2,428+48.1% | $2,343+53.5% |
| Participant deferral / active EE | $2,390 | $2,987-20.0% | $3,706-35.5% | $3,332-28.3% |
| Admin fee / account holder | $1,177 | $4,512-73.9% | $5,608-79.0% | $4,645-74.7% |