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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 | $72,829 | $63,949+13.9% | $129,031-43.6% | $94,015-22.5% |
| Participation rate | 88.5% | 63.4%+25.0pp | 73.4%+15.1pp | 70.8%+17.6pp |
| Annual return | 21.27% | 17.56%+3.7pp | 34.67%-13.4pp | 17.84%+3.4pp |
| Employer contribution / active EE | $4,250 | $1,865+127.9% | $3,226+31.7% | $2,790+52.3% |
| Participant deferral / active EE | $8,189 | $3,686+122.2% | $5,217+57.0% | $4,249+92.7% |
| Admin fee / account holder | $341 | $5,523-93.8% | $13,208-97.4% | $8,951-96.2% |