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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 | $89,330 | $67,602+32.1% | $82,312+8.5% | $70,126+27.4% |
| Participation rate | 95.7% | 72.8%+22.9pp | 76.9%+18.8pp | 69.5%+26.1pp |
| Annual return | 18.75% | 21.57%-2.8pp | 25.88%-7.1pp | 73.15%-54.4pp |
| Employer contribution / active EE | $2,581 | $1,755+47.0% | $2,428+6.3% | $2,343+10.2% |
| Participant deferral / active EE | $6,871 | $2,987+130.0% | $3,706+85.4% | $3,332+106.2% |
| Admin fee / account holder | $1,497 | $4,512-66.8% | $5,608-73.3% | $4,645-67.8% |