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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 | $107,760 | $58,493+84.2% | $84,023+28.3% | $72,976+47.7% |
| Participation rate | 81.4% | 61.2%+20.2pp | 69.0%+12.4pp | 69.5%+11.9pp |
| Annual return | 24.44% | 28.93%-4.5pp | 71.32%-46.9pp | 81.02%-56.6pp |
| Employer contribution / active EE | $3,461 | $1,163+197.6% | $1,984+74.5% | $2,440+41.8% |
| Participant deferral / active EE | $4,588 | $2,394+91.6% | $3,239+41.6% | $3,608+27.2% |
| Admin fee / account holder | $2,761 | $4,569-39.6% | $6,102-54.8% | $5,124-46.1% |