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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 | $119,808 | $67,602+77.2% | $82,312+45.6% | $70,126+70.8% |
| Participation rate | 96.5% | 72.8%+23.7pp | 76.9%+19.6pp | 69.5%+27.0pp |
| Annual return | 18.01% | 21.57%-3.6pp | 25.88%-7.9pp | 73.15%-55.1pp |
| Employer contribution / active EE | $1,053 | $1,755-40.0% | $2,428-56.7% | $2,343-55.1% |
| Participant deferral / active EE | $2,722 | $2,987-8.9% | $3,706-26.5% | $3,332-18.3% |
| Admin fee / account holder | $7,555 | $4,512+67.5% | $5,608+34.7% | $4,645+62.6% |