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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 | $91,056 | $61,390+48.3% | $112,228-18.9% | $75,177+21.1% |
| Participation rate | 93.3% | 61.6%+31.7pp | 72.4%+20.9pp | 67.2%+26.1pp |
| Annual return | 17.79% | 28.47%-10.7pp | 30.23%-12.4pp | 160.75%-143.0pp |
| Employer contribution / active EE | $2,315 | $2,015+14.9% | $3,432-32.5% | $2,671-13.3% |
| Participant deferral / active EE | $7,530 | $3,108+142.3% | $4,800+56.9% | $4,126+82.5% |
| Admin fee / account holder | $2,180 | $4,862-55.2% | $7,752-71.9% | $5,651-61.4% |