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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 | $86,830 | $77,472+12.1% | $100,392-13.5% | $80,935+7.3% |
| Participation rate | 93.3% | 76.9%+16.4pp | 81.5%+11.8pp | 67.7%+25.7pp |
| Annual return | 23.85% | 37.26%-13.4pp | 49.45%-25.6pp | 35.66%-11.8pp |
| Employer contribution / active EE | $5,360 | $2,800+91.4% | $3,941+36.0% | $2,757+94.4% |
| Participant deferral / active EE | $5,266 | $6,818-22.8% | $8,090-34.9% | $4,299+22.5% |
| Admin fee / account holder | $3,259 | $5,885-44.6% | $7,904-58.8% | $6,924-52.9% |