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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 | $118,721 | $72,492+63.8% | $87,104+36.3% | $72,975+62.7% |
| Participation rate | 96.6% | 72.8%+23.7pp | 76.9%+19.7pp | 69.5%+27.1pp |
| Annual return | 21.73% | 24.46%-2.7pp | 28.19%-6.5pp | 81.01%-59.3pp |
| Employer contribution / active EE | $2,862 | $1,894+51.1% | $2,521+13.5% | $2,440+17.3% |
| Participant deferral / active EE | $5,265 | $3,270+61.0% | $4,048+30.1% | $3,608+45.9% |
| Admin fee / account holder | $3,804 | $5,055-24.7% | $7,491-49.2% | $5,124-25.8% |