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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 | $121,027 | $72,273+67.5% | $101,275+19.5% | $79,856+51.6% |
| Participation rate | 92.0% | 68.5%+23.5pp | 75.8%+16.2pp | 69.6%+22.4pp |
| Annual return | 14.96% | 22.30%-7.3pp | 46.48%-31.5pp | 31.71%-16.8pp |
| Employer contribution / active EE | $1,491 | $2,691-44.6% | $3,660-59.3% | $2,471-39.7% |
| Participant deferral / active EE | $4,494 | $3,282+36.9% | $4,371+2.8% | $3,741+20.1% |
| Admin fee / account holder | $2,849 | $4,401-35.3% | $5,948-52.1% | $5,306-46.3% |