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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 | $74,393 | $77,896-4.5% | $134,172-44.6% | $82,448-9.8% |
| Participation rate | 90.9% | 62.8%+28.1pp | 72.5%+18.4pp | 68.1%+22.8pp |
| Annual return | 20.62% | 18.21%+2.4pp | 25.30%-4.7pp | 41.64%-21.0pp |
| Employer contribution / active EE | $3,844 | $2,159+78.0% | $3,420+12.4% | $2,551+50.7% |
| Participant deferral / active EE | $7,008 | $3,162+121.6% | $4,690+49.4% | $4,139+69.3% |
| Admin fee / account holder | $2,880 | $6,336-54.5% | $12,016-76.0% | $7,234-60.2% |