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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 | $88,390 | $58,099+52.1% | $76,902+14.9% | $75,177+17.6% |
| Participation rate | 89.7% | 63.9%+25.9pp | 69.6%+20.1pp | 67.2%+22.5pp |
| Annual return | 20.30% | 26.71%-6.4pp | 37.91%-17.6pp | 160.75%-140.5pp |
| Employer contribution / active EE | $2,872 | $1,996+43.9% | $2,534+13.4% | $2,671+7.5% |
| Participant deferral / active EE | $5,876 | $2,999+95.9% | $3,833+53.3% | $4,126+42.4% |
| Admin fee / account holder | $914 | $4,778-80.9% | $5,479-83.3% | $5,651-83.8% |