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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 | $91,232 | $57,140+59.7% | $85,240+7.0% | $80,959+12.7% |
| Participation rate | 88.9% | 56.4%+32.5pp | 67.5%+21.4pp | 67.7%+21.2pp |
| Annual return | 17.59% | 21.71%-4.1pp | 66.75%-49.2pp | 35.67%-18.1pp |
| Employer contribution / active EE | $2,797 | $1,802+55.2% | $2,735+2.3% | $2,757+1.5% |
| Participant deferral / active EE | $6,597 | $3,115+111.8% | $4,527+45.7% | $4,300+53.4% |
| Admin fee / account holder | $3,737 | $4,992-25.1% | $6,165-39.4% | $6,925-46.0% |