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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 | $112,304 | $58,493+92.0% | $84,023+33.7% | $72,976+53.9% |
| Participation rate | 98.7% | 61.2%+37.4pp | 69.0%+29.6pp | 69.5%+29.2pp |
| Annual return | 16.92% | 28.93%-12.0pp | 71.32%-54.4pp | 81.02%-64.1pp |
| Employer contribution / active EE | $5,330 | $1,163+358.3% | $1,984+168.7% | $2,440+118.4% |
| Participant deferral / active EE | $5,491 | $2,394+129.4% | $3,239+69.5% | $3,608+52.2% |
| Admin fee / account holder | $907 | $4,569-80.1% | $6,102-85.1% | $5,124-82.3% |