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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 | $125,917 | $76,551+64.5% | $123,894+1.6% | $62,881+100.2% |
| Participation rate | 97.7% | 73.0%+24.7pp | 81.4%+16.3pp | 69.3%+28.4pp |
| Annual return | 7.37% | 18.68%-11.3pp | 47.52%-40.1pp | 20.14%-12.8pp |
| Employer contribution / active EE | $3,184 | $2,882+10.5% | $4,617-31.0% | $2,281+39.6% |
| Participant deferral / active EE | $7,032 | $4,840+45.3% | $5,984+17.5% | $3,203+119.5% |
| Admin fee / account holder | $10,146 | $4,826+110.2% | $8,357+21.4% | $4,296+136.2% |