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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 | $123,459 | $77,574+59.2% | $108,753+13.5% | $86,983+41.9% |
| Participation rate | 90.0% | 62.3%+27.7pp | 71.1%+18.9pp | 69.5%+20.5pp |
| Annual return | 16.95% | 18.42%-1.5pp | 37.47%-20.5pp | 25.83%-8.9pp |
| Employer contribution / active EE | $3,686 | $1,611+128.9% | $2,427+51.9% | $2,584+42.6% |
| Participant deferral / active EE | $4,568 | $3,128+46.0% | $4,115+11.0% | $4,194+8.9% |
| Admin fee / account holder | $1,240 | $6,529-81.0% | $10,320-88.0% | $7,856-84.2% |