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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 | $126,229 | $75,807+66.5% | $116,096+8.7% | $86,983+45.1% |
| Participation rate | 74.2% | 66.9%+7.3pp | 73.3%+0.9pp | 69.5%+4.7pp |
| Annual return | 19.47% | 18.57%+0.9pp | 326.25%-306.8pp | 25.83%-6.4pp |
| Employer contribution / active EE | $2,483 | $1,892+31.2% | $2,503-0.8% | $2,584-3.9% |
| Participant deferral / active EE | $5,235 | $3,212+63.0% | $3,952+32.5% | $4,194+24.8% |
| Admin fee / account holder | $2,084 | $6,659-68.7% | $7,704-73.0% | $7,856-73.5% |