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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 | $57,073+59.9% | $85,126+7.2% | $80,925+12.7% |
| Participation rate | 88.9% | 56.4%+32.5pp | 67.5%+21.4pp | 67.7%+21.2pp |
| Annual return | 17.59% | 21.69%-4.1pp | 66.63%-49.0pp | 35.65%-18.1pp |
| Employer contribution / active EE | $2,797 | $1,801+55.4% | $2,731+2.4% | $2,756+1.5% |
| Participant deferral / active EE | $6,597 | $3,113+111.9% | $4,523+45.8% | $4,299+53.5% |
| Admin fee / account holder | $3,737 | $4,988-25.1% | $6,160-39.3% | $6,940-46.2% |