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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 | $88,828 | $76,371+16.3% | $93,621-5.1% | $72,976+21.7% |
| Participation rate | 90.7% | 71.8%+18.9pp | 75.8%+14.9pp | 69.5%+21.2pp |
| Annual return | 21.78% | 25.82%-4.0pp | 32.76%-11.0pp | 81.02%-59.2pp |
| Employer contribution / active EE | $9,776 | $2,276+329.6% | $2,719+259.6% | $2,440+300.7% |
| Participant deferral / active EE | $6,123 | $3,538+73.0% | $4,070+50.5% | $3,608+69.7% |
| Admin fee / account holder | $1,273 | $6,839-81.4% | $7,890-83.9% | $5,124-75.2% |