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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 | $123,330 | $58,493+110.8% | $84,021+46.8% | $72,975+69.0% |
| Participation rate | 96.3% | 61.2%+35.1pp | 69.0%+27.3pp | 69.5%+26.8pp |
| Annual return | 22.70% | 28.93%-6.2pp | 71.32%-48.6pp | 81.01%-58.3pp |
| Employer contribution / active EE | $2,373 | $1,163+104.0% | $1,984+19.6% | $2,440-2.8% |
| Participant deferral / active EE | $4,676 | $2,394+95.3% | $3,239+44.4% | $3,608+29.6% |
| Admin fee / account holder | $3,449 | $4,569-24.5% | $6,102-43.5% | $5,124-32.7% |