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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 | $78,587 | $67,602+16.2% | $82,312-4.5% | $70,126+12.1% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 21.75% | 21.57%+0.2pp | 25.88%-4.1pp | 73.15%-51.4pp |
| Employer contribution / active EE | $3,219 | $1,755+83.4% | $2,428+32.6% | $2,343+37.4% |
| Participant deferral / active EE | $3,797 | $2,987+27.1% | $3,706+2.5% | $3,332+14.0% |
| Admin fee / account holder | $535 | $4,512-88.1% | $5,608-90.5% | $4,645-88.5% |