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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 | $117,774 | $81,487+44.5% | $102,412+15.0% | $80,935+45.5% |
| Participation rate | 95.8% | 66.8%+29.0pp | 74.5%+21.3pp | 67.7%+28.2pp |
| Annual return | 14.33% | 25.60%-11.3pp | 24.94%-10.6pp | 35.66%-21.3pp |
| Employer contribution / active EE | $5,844 | $3,103+88.4% | $3,870+51.0% | $2,757+112.0% |
| Participant deferral / active EE | $9,440 | $3,871+143.9% | $5,060+86.5% | $4,299+119.6% |
| Admin fee / account holder | $9,010 | $6,717+34.1% | $8,388+7.4% | $6,924+30.1% |