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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 | $94,615 | $64,359+47.0% | $90,161+4.9% | $70,126+34.9% |
| Participation rate | 91.4% | 70.4%+21.0pp | 76.9%+14.6pp | 69.5%+21.9pp |
| Annual return | 22.93% | 28.13%-5.2pp | 34.89%-12.0pp | 73.15%-50.2pp |
| Employer contribution / active EE | $2,970 | $2,046+45.2% | $3,318-10.5% | $2,343+26.8% |
| Participant deferral / active EE | $7,427 | $4,389+69.2% | $5,287+40.5% | $3,332+122.9% |
| Admin fee / account holder | $1,654 | $3,945-58.1% | $5,943-72.2% | $4,645-64.4% |