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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 | $75,891 | $52,580+44.3% | $71,671+5.9% | $70,126+8.2% |
| Participation rate | 94.8% | 60.9%+34.0pp | 68.7%+26.1pp | 69.5%+25.3pp |
| Annual return | 19.59% | 20.25%-0.7pp | 20.65%-1.1pp | 73.15%-53.6pp |
| Employer contribution / active EE | $2,968 | $1,616+83.7% | $2,460+20.6% | $2,343+26.7% |
| Participant deferral / active EE | $3,337 | $2,386+39.8% | $3,438-2.9% | $3,332+0.2% |
| Admin fee / account holder | $1,405 | $3,653-61.5% | $5,558-74.7% | $4,645-69.8% |