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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 | $115,834 | $78,670+47.2% | $109,173+6.1% | $85,847+34.9% |
| Participation rate | 88.1% | 68.3%+19.8pp | 75.9%+12.2pp | 69.3%+18.8pp |
| Annual return | 12.80% | 25.09%-12.3pp | 25.75%-13.0pp | 318.61%-305.8pp |
| Employer contribution / active EE | $3,356 | $2,734+22.8% | $3,723-9.9% | $2,565+30.8% |
| Participant deferral / active EE | $6,477 | $3,467+86.8% | $4,654+39.2% | $3,952+63.9% |
| Admin fee / account holder | $1,899 | $5,469-65.3% | $6,755-71.9% | $6,261-69.7% |