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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 | $89,280 | $77,460+15.3% | $100,378-11.1% | $80,925+10.3% |
| Participation rate | 90.0% | 76.9%+13.1pp | 81.5%+8.5pp | 67.7%+22.3pp |
| Annual return | 20.81% | 37.24%-16.4pp | 49.41%-28.6pp | 35.65%-14.8pp |
| Employer contribution / active EE | $3,212 | $2,801+14.7% | $3,942-18.5% | $2,756+16.5% |
| Participant deferral / active EE | $6,388 | $6,818-6.3% | $8,087-21.0% | $4,299+48.6% |
| Admin fee / account holder | $3,724 | $5,887-36.7% | $7,899-52.9% | $6,940-46.3% |