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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 | $80,910 | $52,580+53.9% | $71,671+12.9% | $70,126+15.4% |
| Participation rate | 70.5% | 60.9%+9.6pp | 68.7%+1.7pp | 69.5%+0.9pp |
| Annual return | 19.42% | 20.25%-0.8pp | 20.65%-1.2pp | 73.15%-53.7pp |
| Employer contribution / active EE | $2,786 | $1,616+72.5% | $2,460+13.3% | $2,343+19.0% |
| Participant deferral / active EE | $5,386 | $2,386+125.7% | $3,438+56.7% | $3,332+61.7% |
| Admin fee / account holder | $4,752 | $3,653+30.1% | $5,558-14.5% | $4,645+2.3% |