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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 | $121,914 | $83,485+46.0% | $125,180-2.6% | $72,983+67.0% |
| Participation rate | 97.9% | 73.3%+24.6pp | 79.8%+18.1pp | 69.5%+28.4pp |
| Annual return | 18.46% | 25.78%-7.3pp | 43.79%-25.3pp | 81.01%-62.5pp |
| Employer contribution / active EE | $4,688 | $2,346+99.9% | $3,866+21.3% | $2,440+92.1% |
| Participant deferral / active EE | $6,254 | $3,586+74.4% | $4,937+26.7% | $3,608+73.3% |
| Admin fee / account holder | $7,147 | $5,518+29.5% | $9,703-26.3% | $5,124+39.5% |