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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 | $104,981 | $57,590+82.3% | $86,233+21.7% | $82,448+27.3% |
| Participation rate | 87.8% | 57.9%+29.9pp | 69.0%+18.8pp | 68.1%+19.7pp |
| Annual return | 15.72% | 22.41%-6.7pp | 61.39%-45.7pp | 41.64%-25.9pp |
| Employer contribution / active EE | $2,345 | $1,655+41.7% | $2,504-6.4% | $2,551-8.1% |
| Participant deferral / active EE | $5,828 | $3,080+89.2% | $4,559+27.8% | $4,139+40.8% |
| Admin fee / account holder | $2,992 | $4,730-36.8% | $8,342-64.1% | $7,234-58.6% |