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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 | $83,148 | $72,492+14.7% | $87,104-4.5% | $72,975+13.9% |
| Participation rate | 97.5% | 72.8%+24.7pp | 76.9%+20.6pp | 69.5%+28.0pp |
| Annual return | 25.83% | 24.46%+1.4pp | 28.19%-2.4pp | 81.01%-55.2pp |
| Employer contribution / active EE | $2,944 | $1,894+55.4% | $2,521+16.8% | $2,440+20.7% |
| Participant deferral / active EE | $5,369 | $3,270+64.2% | $4,048+32.6% | $3,608+48.8% |
| Admin fee / account holder | $6,916 | $5,055+36.8% | $7,491-7.7% | $5,124+35.0% |