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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 | $96,019 | $82,028+17.1% | $123,105-22.0% | $59,633+61.0% |
| Participation rate | 93.3% | 83.2%+10.1pp | 86.8%+6.6pp | 68.7%+24.7pp |
| Annual return | 3.62% | 5.12%-1.5pp | 13.22%-9.6pp | 2041.45%-2037.8pp |
| Employer contribution / active EE | $4,286 | $3,297+30.0% | $5,151-16.8% | $2,203+94.6% |
| Participant deferral / active EE | $12,800 | $4,667+174.3% | $6,229+105.5% | $3,192+301.0% |
| Admin fee / account holder | $6,025 | $5,879+2.5% | $9,014-33.2% | $4,297+40.2% |