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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 | $76,813 | $72,273+6.3% | $101,275-24.2% | $79,856-3.8% |
| Participation rate | 88.5% | 68.5%+20.0pp | 75.8%+12.7pp | 69.6%+18.8pp |
| Annual return | 20.31% | 22.30%-2.0pp | 46.48%-26.2pp | 31.71%-11.4pp |
| Employer contribution / active EE | $4,174 | $2,691+55.1% | $3,660+14.0% | $2,471+68.9% |
| Participant deferral / active EE | $5,917 | $3,282+80.3% | $4,371+35.4% | $3,741+58.2% |
| Admin fee / account holder | $1,711 | $4,401-61.1% | $5,948-71.2% | $5,306-67.8% |