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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 | $66,897 | $58,627+14.1% | $76,735-12.8% | $82,448-18.9% |
| Participation rate | 88.9% | 63.2%+25.7pp | 69.5%+19.4pp | 68.1%+20.8pp |
| Annual return | 18.15% | 39.10%-21.0pp | 29.77%-11.6pp | 41.64%-23.5pp |
| Employer contribution / active EE | $3,508 | $1,729+102.9% | $2,454+42.9% | $2,551+37.5% |
| Participant deferral / active EE | $8,746 | $3,134+179.1% | $4,088+114.0% | $4,139+111.3% |
| Admin fee / account holder | $8,729 | $5,323+64.0% | $7,189+21.4% | $7,234+20.7% |