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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 | $95,464 | $76,551+24.7% | $123,894-22.9% | $62,881+51.8% |
| Participation rate | 93.3% | 73.0%+20.4pp | 81.4%+11.9pp | 69.3%+24.0pp |
| Annual return | 6.53% | 18.68%-12.1pp | 47.52%-41.0pp | 20.14%-13.6pp |
| Employer contribution / active EE | $7,216 | $2,882+150.4% | $4,617+56.3% | $2,281+216.4% |
| Participant deferral / active EE | $8,244 | $4,840+70.3% | $5,984+37.8% | $3,203+157.4% |
| Admin fee / account holder | $1,048 | $4,826-78.3% | $8,357-87.5% | $4,296-75.6% |