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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 | $57,590+26.5% | $86,233-15.5% | $82,448-11.7% |
| Participation rate | 88.5% | 57.9%+30.6pp | 69.0%+19.4pp | 68.1%+20.4pp |
| Annual return | 21.27% | 22.41%-1.1pp | 61.39%-40.1pp | 41.64%-20.4pp |
| Employer contribution / active EE | $4,250 | $1,655+156.7% | $2,504+69.7% | $2,551+66.6% |
| Participant deferral / active EE | $8,189 | $3,080+165.9% | $4,559+79.6% | $4,139+97.8% |
| Admin fee / account holder | $341 | $4,730-92.8% | $8,342-95.9% | $7,234-95.3% |