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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 | $82,847 | $77,472+6.9% | $100,415-17.5% | $80,959+2.3% |
| Participation rate | 92.0% | 76.9%+15.1pp | 81.5%+10.5pp | 67.7%+24.3pp |
| Annual return | 28.84% | 37.26%-8.4pp | 49.47%-20.6pp | 35.67%-6.8pp |
| Employer contribution / active EE | $5,625 | $2,800+100.9% | $3,943+42.7% | $2,757+104.0% |
| Participant deferral / active EE | $8,932 | $6,818+31.0% | $8,091+10.4% | $4,300+107.7% |
| Admin fee / account holder | $2,615 | $5,885-55.6% | $7,906-66.9% | $6,925-62.2% |