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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 | $127,149 | $67,602+88.1% | $82,312+54.5% | $70,126+81.3% |
| Participation rate | 96.3% | 72.8%+23.5pp | 76.9%+19.4pp | 69.5%+26.8pp |
| Annual return | 17.13% | 21.57%-4.4pp | 25.88%-8.8pp | 73.15%-56.0pp |
| Employer contribution / active EE | $2,586 | $1,755+47.4% | $2,428+6.5% | $2,343+10.4% |
| Participant deferral / active EE | $4,359 | $2,987+45.9% | $3,706+17.6% | $3,332+30.8% |
| Admin fee / account holder | $1,199 | $4,512-73.4% | $5,608-78.6% | $4,645-74.2% |