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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 | $111,718 | $72,027+55.1% | $185,861-39.9% | $79,856+39.9% |
| Participation rate | 77.4% | 65.8%+11.7pp | 78.0%-0.6pp | 69.6%+7.8pp |
| Annual return | 22.45% | 23.13%-0.7pp | 35.96%-13.5pp | 31.71%-9.3pp |
| Employer contribution / active EE | $7,095 | $1,965+261.1% | $4,088+73.6% | $2,471+187.1% |
| Participant deferral / active EE | $4,307 | $3,780+14.0% | $5,634-23.6% | $3,741+15.1% |
| Admin fee / account holder | $3,340 | $4,513-26.0% | $9,503-64.9% | $5,306-37.1% |