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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 | $68,411 | $58,512+16.9% | $84,020-18.6% | $72,983-6.3% |
| Participation rate | 93.9% | 61.2%+32.7pp | 69.0%+24.9pp | 69.5%+24.5pp |
| Annual return | 21.28% | 28.93%-7.7pp | 71.31%-50.0pp | 81.01%-59.7pp |
| Employer contribution / active EE | $2,232 | $1,163+92.0% | $1,984+12.6% | $2,440-8.5% |
| Participant deferral / active EE | $5,431 | $2,394+126.9% | $3,239+67.7% | $3,608+50.5% |
| Admin fee / account holder | $703 | $4,569-84.6% | $6,101-88.5% | $5,124-86.3% |