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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 | $118,177 | $56,287+110.0% | $80,977+45.9% | $62,881+87.9% |
| Participation rate | 88.6% | 68.9%+19.6pp | 75.8%+12.8pp | 69.3%+19.3pp |
| Annual return | 7.66% | 22.13%-14.5pp | 17.11%-9.4pp | 20.14%-12.5pp |
| Employer contribution / active EE | $6,502 | $1,943+234.7% | $3,715+75.1% | $2,281+185.1% |
| Participant deferral / active EE | $6,858 | $4,196+63.4% | $5,696+20.4% | $3,203+114.1% |
| Admin fee / account holder | $3,000 | $3,742-19.8% | $5,517-45.6% | $4,296-30.2% |