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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 | $94,190 | $67,602+39.3% | $82,312+14.4% | $70,126+34.3% |
| Participation rate | 86.7% | 72.8%+13.9pp | 76.9%+9.8pp | 69.5%+17.1pp |
| Annual return | 17.36% | 21.57%-4.2pp | 25.88%-8.5pp | 73.15%-55.8pp |
| Employer contribution / active EE | $1,642 | $1,755-6.4% | $2,428-32.4% | $2,343-29.9% |
| Participant deferral / active EE | $5,498 | $2,987+84.0% | $3,706+48.3% | $3,332+65.0% |
| Admin fee / account holder | $7,861 | $4,512+74.2% | $5,608+40.2% | $4,645+69.2% |