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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 | $91,815 | $77,472+18.5% | $100,392-8.5% | $80,935+13.4% |
| Participation rate | 91.9% | 76.9%+14.9pp | 81.5%+10.4pp | 67.7%+24.2pp |
| Annual return | 14.97% | 37.26%-22.3pp | 49.45%-34.5pp | 35.66%-20.7pp |
| Employer contribution / active EE | $4,574 | $2,800+63.3% | $3,941+16.0% | $2,757+65.9% |
| Participant deferral / active EE | $10,197 | $6,818+49.6% | $8,090+26.0% | $4,299+137.2% |
| Admin fee / account holder | $1,787 | $5,885-69.6% | $7,904-77.4% | $6,924-74.2% |