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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 | $81,735 | $47,848+70.8% | $81,473+0.3% | $70,126+16.6% |
| Participation rate | 93.2% | 58.3%+34.9pp | 68.0%+25.2pp | 69.5%+23.6pp |
| Annual return | 17.98% | 27.25%-9.3pp | 38.78%-20.8pp | 73.15%-55.2pp |
| Employer contribution / active EE | $3,681 | $1,527+141.0% | $2,568+43.3% | $2,343+57.1% |
| Participant deferral / active EE | $5,025 | $2,453+104.9% | $3,537+42.1% | $3,332+50.8% |
| Admin fee / account holder | $4,088 | $3,145+30.0% | $4,561-10.4% | $4,645-12.0% |