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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 | $98,567 | $73,955+33.3% | $96,520+2.1% | $75,181+31.1% |
| Participation rate | 97.0% | 66.4%+30.5pp | 74.3%+22.6pp | 67.2%+29.8pp |
| Annual return | 13.42% | 26.72%-13.3pp | 35.72%-22.3pp | 160.69%-147.3pp |
| Employer contribution / active EE | $7,191 | $2,930+145.4% | $3,739+92.3% | $2,671+169.3% |
| Participant deferral / active EE | $7,756 | $3,659+111.9% | $4,879+59.0% | $4,126+88.0% |
| Admin fee / account holder | $4,145 | $5,217-20.6% | $6,733-38.4% | $5,650-26.6% |