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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 | $89,494 | $72,486+23.5% | $87,103+2.7% | $72,976+22.6% |
| Participation rate | 90.0% | 72.8%+17.2pp | 76.9%+13.1pp | 69.5%+20.5pp |
| Annual return | 23.15% | 24.46%-1.3pp | 28.19%-5.0pp | 81.02%-57.9pp |
| Employer contribution / active EE | $4,272 | $1,894+125.6% | $2,521+69.4% | $2,440+75.1% |
| Participant deferral / active EE | $11,664 | $3,270+256.7% | $4,049+188.1% | $3,608+223.3% |
| Admin fee / account holder | $2,032 | $5,055-59.8% | $7,491-72.9% | $5,124-60.3% |