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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 | $92,941 | $63,949+45.3% | $129,031-28.0% | $94,015-1.1% |
| Participation rate | 81.0% | 63.4%+17.5pp | 73.4%+7.6pp | 70.8%+10.1pp |
| Annual return | 15.49% | 17.56%-2.1pp | 34.67%-19.2pp | 17.84%-2.4pp |
| Employer contribution / active EE | $4,576 | $1,865+145.4% | $3,226+41.9% | $2,790+64.0% |
| Participant deferral / active EE | $4,026 | $3,686+9.2% | $5,217-22.8% | $4,249-5.3% |
| Admin fee / account holder | $4,118 | $5,523-25.4% | $13,208-68.8% | $8,951-54.0% |