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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 | $108,709 | $72,492+50.0% | $87,104+24.8% | $72,975+49.0% |
| Participation rate | 93.8% | 72.8%+20.9pp | 76.9%+16.9pp | 69.5%+24.3pp |
| Annual return | 18.93% | 24.46%-5.5pp | 28.19%-9.3pp | 81.01%-62.1pp |
| Employer contribution / active EE | $2,550 | $1,894+34.6% | $2,521+1.1% | $2,440+4.5% |
| Participant deferral / active EE | $4,475 | $3,270+36.9% | $4,048+10.5% | $3,608+24.0% |
| Admin fee / account holder | $26,084 | $5,055+416.0% | $7,491+248.2% | $5,124+409.1% |