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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 | $120,432 | $87,166+38.2% | $76,735+56.9% | $137,256-12.3% |
| Participation rate | 90.0% | 74.4%+15.6pp | 69.5%+20.5pp | 80.0%+10.0pp |
| Annual return | 17.45% | 26.50%-9.0pp | 29.77%-12.3pp | 220.34%-202.9pp |
| Employer contribution / active EE | $5,194 | $2,904+78.8% | $2,454+111.6% | $4,156+25.0% |
| Participant deferral / active EE | $7,940 | $4,726+68.0% | $4,088+94.2% | $6,407+23.9% |
| Admin fee / account holder | $2,225 | $8,403-73.5% | $7,189-69.1% | $12,270-81.9% |