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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 | $80,997 | $57,119+41.8% | $85,187-4.9% | $80,935+0.1% |
| Participation rate | 79.1% | 56.4%+22.7pp | 67.5%+11.5pp | 67.7%+11.4pp |
| Annual return | 12.30% | 21.70%-9.4pp | 66.67%-54.4pp | 35.66%-23.4pp |
| Employer contribution / active EE | $2,307 | $1,802+28.1% | $2,732-15.6% | $2,757-16.3% |
| Participant deferral / active EE | $5,210 | $3,115+67.3% | $4,525+15.1% | $4,299+21.2% |
| Admin fee / account holder | $15,954 | $4,990+219.7% | $6,162+158.9% | $6,924+130.4% |