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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 | $74,307 | $57,590+29.0% | $86,233-13.8% | $82,448-9.9% |
| Participation rate | 85.2% | 57.9%+27.3pp | 69.0%+16.2pp | 68.1%+17.1pp |
| Annual return | 19.10% | 22.41%-3.3pp | 61.39%-42.3pp | 41.64%-22.5pp |
| Employer contribution / active EE | $2,704 | $1,655+63.3% | $2,504+8.0% | $2,551+6.0% |
| Participant deferral / active EE | $7,381 | $3,080+139.6% | $4,559+61.9% | $4,139+78.3% |
| Admin fee / account holder | $1,257 | $4,730-73.4% | $8,342-84.9% | $7,234-82.6% |