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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 | $85,885 | $72,273+18.8% | $101,275-15.2% | $79,856+7.6% |
| Participation rate | 91.2% | 68.5%+22.7pp | 75.8%+15.4pp | 69.6%+21.5pp |
| Annual return | 12.06% | 22.30%-10.2pp | 46.48%-34.4pp | 31.71%-19.6pp |
| Employer contribution / active EE | $2,829 | $2,691+5.1% | $3,660-22.7% | $2,471+14.5% |
| Participant deferral / active EE | $5,276 | $3,282+60.8% | $4,371+20.7% | $3,741+41.0% |
| Admin fee / account holder | $9,709 | $4,401+120.6% | $5,948+63.2% | $5,306+83.0% |