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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 | $87,618 | $74,535+17.6% | $100,712-13.0% | $82,637+6.0% |
| Participation rate | 92.3% | 61.2%+31.1pp | 69.3%+23.0pp | 68.1%+24.3pp |
| Annual return | 17.19% | 18.92%-1.7pp | 33.27%-16.1pp | 53.51%-36.3pp |
| Employer contribution / active EE | $3,859 | $1,503+156.8% | $2,313+66.9% | $2,552+51.2% |
| Participant deferral / active EE | $3,266 | $3,074+6.3% | $4,085-20.1% | $4,126-20.8% |
| Admin fee / account holder | $749 | $6,576-88.6% | $9,256-91.9% | $7,339-89.8% |