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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 | $103,204 | $78,690+31.2% | $161,489-36.1% | $87,485+18.0% |
| Participation rate | 90.2% | 67.5%+22.8pp | 78.7%+11.5pp | 68.9%+21.3pp |
| Annual return | 14.89% | 32.74%-17.9pp | 89.72%-74.8pp | 26.06%-11.2pp |
| Employer contribution / active EE | $6,874 | $2,588+165.6% | $4,268+61.1% | $2,596+164.8% |
| Participant deferral / active EE | $5,512 | $3,311+66.5% | $5,630-2.1% | $4,274+29.0% |
| Admin fee / account holder | $3,245 | $6,724-51.7% | $16,006-79.7% | $7,775-58.3% |