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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 | $116,937 | $87,733+33.3% | $106,555+9.7% | $85,847+36.2% |
| Participation rate | 96.8% | 71.9%+24.8pp | 76.1%+20.6pp | 69.3%+27.5pp |
| Annual return | 19.68% | 21.86%-2.2pp | 26.80%-7.1pp | 318.61%-298.9pp |
| Employer contribution / active EE | $2,474 | $2,073+19.3% | $2,819-12.3% | $2,565-3.6% |
| Participant deferral / active EE | $5,942 | $3,469+71.3% | $4,399+35.1% | $3,952+50.3% |
| Admin fee / account holder | $4,480 | $6,767-33.8% | $7,408-39.5% | $6,261-28.4% |