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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 | $75,229 | $77,896-3.4% | $134,172-43.9% | $82,448-8.8% |
| Participation rate | 84.0% | 62.8%+21.2pp | 72.5%+11.5pp | 68.1%+15.9pp |
| Annual return | 22.69% | 18.21%+4.5pp | 25.30%-2.6pp | 41.64%-18.9pp |
| Employer contribution / active EE | $3,883 | $2,159+79.8% | $3,420+13.5% | $2,551+52.2% |
| Participant deferral / active EE | $5,058 | $3,162+60.0% | $4,690+7.8% | $4,139+22.2% |
| Admin fee / account holder | $1,127 | $6,336-82.2% | $12,016-90.6% | $7,234-84.4% |