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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 | $86,013 | $67,606+27.2% | $82,313+4.5% | $70,124+22.7% |
| Participation rate | 85.2% | 72.8%+12.4pp | 76.9%+8.3pp | 69.5%+15.6pp |
| Annual return | 24.96% | 21.57%+3.4pp | 25.88%-0.9pp | 73.14%-48.2pp |
| Employer contribution / active EE | $3,489 | $1,755+98.8% | $2,428+43.7% | $2,342+48.9% |
| Participant deferral / active EE | $6,269 | $2,987+109.9% | $3,706+69.1% | $3,332+88.2% |
| Admin fee / account holder | $2,351 | $4,512-47.9% | $5,608-58.1% | $4,645-49.4% |