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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 | $119,735 | $97,648+22.6% | $121,663-1.6% | $87,485+36.9% |
| Participation rate | 96.2% | 70.5%+25.7pp | 74.5%+21.7pp | 68.9%+27.2pp |
| Annual return | 19.42% | 18.03%+1.4pp | 147.54%-128.1pp | 26.06%-6.6pp |
| Employer contribution / active EE | $3,852 | $2,300+67.4% | $3,020+27.5% | $2,596+48.4% |
| Participant deferral / active EE | $7,260 | $3,923+85.1% | $4,887+48.6% | $4,274+69.9% |
| Admin fee / account holder | $6,550 | $11,100-41.0% | $14,289-54.2% | $7,775-15.8% |