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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 | $119,024 | $88,707+34.2% | $74,184+60.4% | $273,972-56.6% |
| Participation rate | 95.5% | 79.4%+16.0pp | 76.6%+18.8pp | 83.0%+12.4pp |
| Annual return | 19.60% | 11.94%+7.7pp | 17.74%+1.9pp | 41.46%-21.9pp |
| Employer contribution / active EE | $7,201 | $3,159+127.9% | $2,370+203.8% | $4,869+47.9% |
| Participant deferral / active EE | $4,283 | $4,212+1.7% | $3,550+20.7% | $5,287-19.0% |
| Admin fee / account holder | $2,613 | $8,717-70.0% | $5,586-53.2% | $10,133-74.2% |