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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 | $125,146 | $81,504+53.5% | $102,437+22.2% | $80,959+54.6% |
| Participation rate | 86.2% | 66.9%+19.4pp | 74.5%+11.7pp | 67.7%+18.5pp |
| Annual return | 11.18% | 25.60%-14.4pp | 24.95%-13.8pp | 35.67%-24.5pp |
| Employer contribution / active EE | $4,200 | $3,104+35.3% | $3,871+8.5% | $2,757+52.3% |
| Participant deferral / active EE | $5,455 | $3,871+40.9% | $5,060+7.8% | $4,300+26.8% |
| Admin fee / account holder | $2,675 | $6,719-60.2% | $8,388-68.1% | $6,925-61.4% |