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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 | $130,017 | $72,272+79.9% | $101,264+28.4% | $79,858+62.8% |
| Participation rate | 92.0% | 68.5%+23.5pp | 75.8%+16.2pp | 69.6%+22.4pp |
| Annual return | 11.90% | 22.30%-10.4pp | 46.48%-34.6pp | 31.72%-19.8pp |
| Employer contribution / active EE | $2,875 | $2,692+6.8% | $3,660-21.4% | $2,471+16.4% |
| Participant deferral / active EE | $4,576 | $3,282+39.4% | $4,370+4.7% | $3,740+22.3% |
| Admin fee / account holder | $6,024 | $4,401+36.9% | $5,947+1.3% | $5,306+13.5% |