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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 | $124,581 | $69,590+79.0% | $136,867-9.0% | $94,015+32.5% |
| Participation rate | 94.1% | 66.3%+27.8pp | 74.5%+19.6pp | 70.8%+23.3pp |
| Annual return | 11.97% | 19.62%-7.6pp | 42.97%-31.0pp | 17.84%-5.9pp |
| Employer contribution / active EE | $2,824 | $2,396+17.8% | $3,547-20.4% | $2,790+1.2% |
| Participant deferral / active EE | $5,529 | $3,437+60.9% | $4,924+12.3% | $4,249+30.1% |
| Admin fee / account holder | $2,861 | $8,912-67.9% | $10,340-72.3% | $8,951-68.0% |