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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 | $92,938 | $72,273+28.6% | $101,275-8.2% | $79,856+16.4% |
| Participation rate | 90.9% | 68.5%+22.4pp | 75.8%+15.1pp | 69.6%+21.3pp |
| Annual return | 19.54% | 22.30%-2.8pp | 46.48%-26.9pp | 31.71%-12.2pp |
| Employer contribution / active EE | $8,443 | $2,691+213.7% | $3,660+130.7% | $2,471+241.7% |
| Participant deferral / active EE | $7,984 | $3,282+143.3% | $4,371+82.7% | $3,741+113.4% |
| Admin fee / account holder | $469 | $4,401-89.4% | $5,948-92.1% | $5,306-91.2% |