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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 | $96,069 | $58,627+63.9% | $76,735+25.2% | $82,448+16.5% |
| Participation rate | 74.0% | 63.2%+10.8pp | 69.5%+4.5pp | 68.1%+5.9pp |
| Annual return | 21.38% | 39.10%-17.7pp | 29.77%-8.4pp | 41.64%-20.3pp |
| Employer contribution / active EE | $3,994 | $1,729+131.0% | $2,454+62.7% | $2,551+56.6% |
| Participant deferral / active EE | $8,949 | $3,134+185.6% | $4,088+118.9% | $4,139+116.2% |
| Admin fee / account holder | $7,422 | $5,323+39.5% | $7,189+3.2% | $7,234+2.6% |