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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 | $103,819 | $57,119+81.8% | $85,187+21.9% | $80,935+28.3% |
| Participation rate | 82.1% | 56.4%+25.7pp | 67.5%+14.6pp | 67.7%+14.5pp |
| Annual return | 12.29% | 21.70%-9.4pp | 66.67%-54.4pp | 35.66%-23.4pp |
| Employer contribution / active EE | $5,023 | $1,802+178.8% | $2,732+83.8% | $2,757+82.2% |
| Participant deferral / active EE | $7,438 | $3,115+138.8% | $4,525+64.4% | $4,299+73.0% |
| Admin fee / account holder | $1,523 | $4,990-69.5% | $6,162-75.3% | $6,924-78.0% |