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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 | $61,959 | $95,453-35.1% | $112,040-44.7% | $82,448-24.9% |
| Participation rate | 90.0% | 72.8%+17.2pp | 76.5%+13.5pp | 68.1%+21.9pp |
| Annual return | 21.55% | 23.92%-2.4pp | 24.52%-3.0pp | 41.64%-20.1pp |
| Employer contribution / active EE | $3,250 | $2,318+40.2% | $2,954+10.0% | $2,551+27.4% |
| Participant deferral / active EE | $9,513 | $4,224+125.2% | $5,098+86.6% | $4,139+129.8% |
| Admin fee / account holder | $1,885 | $9,013-79.1% | $12,098-84.4% | $7,234-73.9% |