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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 | $91,967 | $79,955+15.0% | $98,461-6.6% | $75,173+22.3% |
| Participation rate | 97.1% | 70.4%+26.8pp | 75.2%+22.0pp | 67.2%+29.9pp |
| Annual return | 25.92% | 19.75%+6.2pp | 21.17%+4.7pp | 160.72%-134.8pp |
| Employer contribution / active EE | $1,429 | $2,264-36.9% | $3,049-53.1% | $2,671-46.5% |
| Participant deferral / active EE | $4,468 | $3,752+19.1% | $4,738-5.7% | $4,126+8.3% |
| Admin fee / account holder | $3,939 | $6,841-42.4% | $8,961-56.0% | $5,651-30.3% |