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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 | $73,191 | $60,349+21.3% | $74,184-1.3% | $62,881+16.4% |
| Participation rate | 97.3% | 72.7%+24.6pp | 76.6%+20.7pp | 69.3%+28.0pp |
| Annual return | 8.35% | 21.38%-13.0pp | 17.74%-9.4pp | 20.14%-11.8pp |
| Employer contribution / active EE | $6,277 | $1,680+273.6% | $2,370+164.8% | $2,281+175.2% |
| Participant deferral / active EE | $4,435 | $2,856+55.3% | $3,550+24.9% | $3,203+38.5% |
| Admin fee / account holder | $327 | $4,261-92.3% | $5,586-94.1% | $4,296-92.4% |