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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 | $137,328 | $75,541+81.8% | $152,093-9.7% | $82,637+66.2% |
| Participation rate | 92.3% | 66.5%+25.8pp | 77.8%+14.5pp | 68.1%+24.3pp |
| Annual return | 16.93% | 32.56%-15.6pp | 66.36%-49.4pp | 53.51%-36.6pp |
| Employer contribution / active EE | $2,902 | $2,622+10.7% | $4,175-30.5% | $2,552+13.7% |
| Participant deferral / active EE | $5,395 | $3,206+68.3% | $5,451-1.0% | $4,126+30.8% |
| Admin fee / account holder | $1,172 | $6,405-81.7% | $14,497-91.9% | $7,339-84.0% |