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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 | $114,894 | $76,551+50.1% | $123,894-7.3% | $62,881+82.7% |
| Participation rate | 92.0% | 73.0%+19.0pp | 81.4%+10.6pp | 69.3%+22.7pp |
| Annual return | 7.10% | 18.68%-11.6pp | 47.52%-40.4pp | 20.14%-13.0pp |
| Employer contribution / active EE | $3,600 | $2,882+24.9% | $4,617-22.0% | $2,281+57.8% |
| Participant deferral / active EE | $7,631 | $4,840+57.7% | $5,984+27.5% | $3,203+138.3% |
| Admin fee / account holder | $532 | $4,826-89.0% | $8,357-93.6% | $4,296-87.6% |