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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 | $103,875 | $63,809+62.8% | $81,353+27.7% | $80,935+28.3% |
| Participation rate | 80.0% | 63.9%+16.1pp | 69.5%+10.5pp | 67.7%+12.3pp |
| Annual return | 16.05% | 16.37%-0.3pp | 24.82%-8.8pp | 35.66%-19.6pp |
| Employer contribution / active EE | $3,102 | $1,981+56.6% | $2,464+25.9% | $2,757+12.5% |
| Participant deferral / active EE | $6,490 | $3,093+109.8% | $3,885+67.1% | $4,299+50.9% |
| Admin fee / account holder | $2,673 | $5,686-53.0% | $5,766-53.6% | $6,924-61.4% |