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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 | $121,644 | $81,487+49.3% | $102,412+18.8% | $80,935+50.3% |
| Participation rate | 85.2% | 66.8%+18.3pp | 74.5%+10.7pp | 67.7%+17.5pp |
| Annual return | 18.02% | 25.60%-7.6pp | 24.94%-6.9pp | 35.66%-17.6pp |
| Employer contribution / active EE | $5,597 | $3,103+80.4% | $3,870+44.6% | $2,757+103.0% |
| Participant deferral / active EE | $6,851 | $3,871+77.0% | $5,060+35.4% | $4,299+59.3% |
| Admin fee / account holder | $939 | $6,717-86.0% | $8,388-88.8% | $6,924-86.4% |