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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 | $130,731 | $43,075+203.5% | $74,577+75.3% | $62,881+107.9% |
| Participation rate | 78.8% | 58.1%+20.7pp | 68.1%+10.7pp | 69.3%+9.5pp |
| Annual return | 8.19% | 17.50%-9.3pp | 20.47%-12.3pp | 20.14%-12.0pp |
| Employer contribution / active EE | $2,122 | $1,498+41.7% | $2,525-16.0% | $2,281-7.0% |
| Participant deferral / active EE | $5,172 | $2,389+116.5% | $3,458+49.6% | $3,203+61.5% |
| Admin fee / account holder | $995 | $2,840-65.0% | $4,138-76.0% | $4,296-76.8% |