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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 | $73,175 | $97,550-25.0% | $120,344-39.2% | $87,485-16.4% |
| Participation rate | 88.7% | 72.8%+15.8pp | 76.7%+11.9pp | 68.9%+19.7pp |
| Annual return | 23.55% | 18.41%+5.1pp | 20.30%+3.3pp | 26.06%-2.5pp |
| Employer contribution / active EE | $3,894 | $2,291+70.0% | $3,020+28.9% | $2,596+50.0% |
| Participant deferral / active EE | $10,984 | $4,230+159.7% | $5,135+113.9% | $4,274+157.0% |
| Admin fee / account holder | $774 | $9,543-91.9% | $12,742-93.9% | $7,775-90.0% |