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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 | $74,402 | $72,269+3.0% | $101,271-26.5% | $79,852-6.8% |
| Participation rate | 90.6% | 68.5%+22.2pp | 75.8%+14.8pp | 69.6%+21.0pp |
| Annual return | 20.17% | 22.29%-2.1pp | 46.48%-26.3pp | 31.72%-11.5pp |
| Employer contribution / active EE | $4,108 | $2,692+52.6% | $3,660+12.2% | $2,471+66.2% |
| Participant deferral / active EE | $4,994 | $3,282+52.2% | $4,371+14.3% | $3,740+33.5% |
| Admin fee / account holder | $361 | $4,401-91.8% | $5,948-93.9% | $5,306-93.2% |