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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 | $91,583 | $54,763+67.2% | $90,324+1.4% | $72,976+25.5% |
| Participation rate | 90.9% | 65.2%+25.8pp | 73.3%+17.6pp | 69.5%+21.4pp |
| Annual return | 19.85% | 30.63%-10.8pp | 78.15%-58.3pp | 81.02%-61.2pp |
| Employer contribution / active EE | $2,992 | $2,093+42.9% | $2,856+4.8% | $2,440+22.6% |
| Participant deferral / active EE | $3,031 | $2,887+5.0% | $3,885-22.0% | $3,608-16.0% |
| Admin fee / account holder | $368 | $3,973-90.7% | $5,356-93.1% | $5,124-92.8% |