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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 | $98,416 | $62,549+57.3% | $85,705+14.8% | $85,851+14.6% |
| Participation rate | 78.8% | 61.1%+17.7pp | 69.9%+8.9pp | 69.3%+9.5pp |
| Annual return | 31.08% | 23.77%+7.3pp | 21.49%+9.6pp | 318.63%-287.6pp |
| Employer contribution / active EE | $1,212 | $1,755-31.0% | $2,619-53.7% | $2,565-52.8% |
| Participant deferral / active EE | $4,046 | $2,802+44.4% | $3,924+3.1% | $3,952+2.4% |
| Admin fee / account holder | $7,723 | $4,644+66.3% | $6,877+12.3% | $6,261+23.4% |