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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 | $111,662 | $72,273+54.5% | $101,275+10.3% | $79,856+39.8% |
| Participation rate | 85.3% | 68.5%+16.8pp | 75.8%+9.5pp | 69.6%+15.7pp |
| Annual return | 21.81% | 22.30%-0.5pp | 46.48%-24.7pp | 31.71%-9.9pp |
| Employer contribution / active EE | $2,192 | $2,691-18.5% | $3,660-40.1% | $2,471-11.3% |
| Participant deferral / active EE | $5,549 | $3,282+69.1% | $4,371+27.0% | $3,741+48.4% |
| Admin fee / account holder | $5,203 | $4,401+18.2% | $5,948-12.5% | $5,306-1.9% |