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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 | $87,273 | $67,602+29.1% | $82,312+6.0% | $70,126+24.5% |
| Participation rate | 86.4% | 72.8%+13.6pp | 76.9%+9.5pp | 69.5%+16.8pp |
| Annual return | 19.31% | 21.57%-2.3pp | 25.88%-6.6pp | 73.15%-53.8pp |
| Employer contribution / active EE | $3,880 | $1,755+121.1% | $2,428+59.8% | $2,343+65.6% |
| Participant deferral / active EE | $3,929 | $2,987+31.5% | $3,706+6.0% | $3,332+17.9% |
| Admin fee / account holder | $1,055 | $4,512-76.6% | $5,608-81.2% | $4,645-77.3% |