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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 | $77,312 | $65,395+18.2% | $182,540-57.6% | $72,975+5.9% |
| Participation rate | 93.5% | 65.4%+28.1pp | 78.0%+15.6pp | 69.5%+24.1pp |
| Annual return | 21.70% | 27.68%-6.0pp | 148.58%-126.9pp | 81.01%-59.3pp |
| Employer contribution / active EE | $4,439 | $1,911+132.3% | $4,076+8.9% | $2,440+81.9% |
| Participant deferral / active EE | $7,418 | $3,563+108.2% | $5,525+34.3% | $3,608+105.6% |
| Admin fee / account holder | $3,138 | $4,245-26.1% | $8,593-63.5% | $5,124-38.8% |