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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 | $120,788 | $72,492+66.6% | $87,104+38.7% | $72,975+65.5% |
| Participation rate | 86.2% | 72.8%+13.4pp | 76.9%+9.3pp | 69.5%+16.7pp |
| Annual return | 22.52% | 24.46%-1.9pp | 28.19%-5.7pp | 81.01%-58.5pp |
| Employer contribution / active EE | $3,016 | $1,894+59.3% | $2,521+19.6% | $2,440+23.6% |
| Participant deferral / active EE | $7,097 | $3,270+117.1% | $4,048+75.3% | $3,608+96.7% |
| Admin fee / account holder | $419 | $5,055-91.7% | $7,491-94.4% | $5,124-91.8% |