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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 | $76,978 | $56,287+36.8% | $80,977-4.9% | $62,881+22.4% |
| Participation rate | 93.9% | 68.9%+25.0pp | 75.8%+18.1pp | 69.3%+24.6pp |
| Annual return | 8.16% | 22.13%-14.0pp | 17.11%-8.9pp | 20.14%-12.0pp |
| Employer contribution / active EE | $3,363 | $1,943+73.1% | $3,715-9.5% | $2,281+47.4% |
| Participant deferral / active EE | $10,746 | $4,196+156.1% | $5,696+88.6% | $3,203+235.5% |
| Admin fee / account holder | $4,598 | $3,742+22.9% | $5,517-16.7% | $4,296+7.0% |