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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 | $133,444 | $56,287+137.1% | $80,977+64.8% | $62,881+112.2% |
| Participation rate | 92.3% | 68.9%+23.4pp | 75.8%+16.5pp | 69.3%+23.0pp |
| Annual return | 7.46% | 22.13%-14.7pp | 17.11%-9.6pp | 20.14%-12.7pp |
| Employer contribution / active EE | $2,682 | $1,943+38.1% | $3,715-27.8% | $2,281+17.6% |
| Participant deferral / active EE | $4,995 | $4,196+19.1% | $5,696-12.3% | $3,203+56.0% |
| Admin fee / account holder | $711 | $3,742-81.0% | $5,517-87.1% | $4,296-83.4% |