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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 | $120,445 | $67,602+78.2% | $82,312+46.3% | $70,126+71.8% |
| Participation rate | 94.4% | 72.8%+21.7pp | 76.9%+17.6pp | 69.5%+24.9pp |
| Annual return | 15.35% | 21.57%-6.2pp | 25.88%-10.5pp | 73.15%-57.8pp |
| Employer contribution / active EE | $3,462 | $1,755+97.3% | $2,428+42.6% | $2,343+47.8% |
| Participant deferral / active EE | $5,977 | $2,987+100.1% | $3,706+61.3% | $3,332+79.4% |
| Admin fee / account holder | $1,082 | $4,512-76.0% | $5,608-80.7% | $4,645-76.7% |