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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 | $103,641 | $72,269+43.4% | $101,271+2.3% | $79,852+29.8% |
| Participation rate | 77.8% | 68.5%+9.3pp | 75.8%+2.0pp | 69.6%+8.1pp |
| Annual return | 16.50% | 22.29%-5.8pp | 46.48%-30.0pp | 31.72%-15.2pp |
| Employer contribution / active EE | $3,882 | $2,692+44.2% | $3,660+6.1% | $2,471+57.1% |
| Participant deferral / active EE | $6,619 | $3,282+101.7% | $4,371+51.5% | $3,740+77.0% |
| Admin fee / account holder | $2,007 | $4,401-54.4% | $5,948-66.3% | $5,306-62.2% |