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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 | $84,119 | $80,992+3.9% | $96,534-12.9% | $75,173+11.9% |
| Participation rate | 88.6% | 71.8%+16.8pp | 76.0%+12.7pp | 67.2%+21.4pp |
| Annual return | 23.88% | 27.05%-3.2pp | 25.88%-2.0pp | 160.72%-136.8pp |
| Employer contribution / active EE | $6,090 | $2,283+166.8% | $2,965+105.4% | $2,671+128.0% |
| Participant deferral / active EE | $9,241 | $3,929+135.2% | $4,851+90.5% | $4,126+124.0% |
| Admin fee / account holder | $3,101 | $6,717-53.8% | $8,253-62.4% | $5,651-45.1% |