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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 | $95,995 | $52,678+82.2% | $75,784+26.7% | $59,633+61.0% |
| Participation rate | 94.7% | 67.2%+27.5pp | 75.8%+18.9pp | 68.7%+26.1pp |
| Annual return | 3.54% | 2.95%+0.6pp | 9.68%-6.1pp | 2041.45%-2037.9pp |
| Employer contribution / active EE | $3,435 | $2,193+56.6% | $3,323+3.4% | $2,203+56.0% |
| Participant deferral / active EE | $5,453 | $2,591+110.5% | $3,652+49.3% | $3,192+70.9% |
| Admin fee / account holder | $1,414 | $3,610-60.8% | $5,300-73.3% | $4,297-67.1% |