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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 | $118,012 | $81,457+44.9% | $103,378+14.2% | $80,911+45.9% |
| Participation rate | 84.6% | 66.8%+17.8pp | 74.5%+10.1pp | 67.6%+17.0pp |
| Annual return | 17.19% | 25.58%-8.4pp | 24.91%-7.7pp | 35.63%-18.4pp |
| Employer contribution / active EE | $8,355 | $3,107+168.9% | $3,870+115.9% | $2,756+203.2% |
| Participant deferral / active EE | $5,282 | $3,871+36.5% | $5,058+4.4% | $4,297+22.9% |
| Admin fee / account holder | $3,094 | $6,717-53.9% | $8,401-63.2% | $6,935-55.4% |