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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 | $139,034 | $76,834+81.0% | $108,359+28.3% | $87,485+58.9% |
| Participation rate | 76.9% | 61.7%+15.2pp | 70.1%+6.8pp | 68.9%+8.0pp |
| Annual return | 17.34% | 19.09%-1.8pp | 36.89%-19.6pp | 26.06%-8.7pp |
| Employer contribution / active EE | $8,513 | $1,556+447.0% | $2,399+254.8% | $2,596+227.9% |
| Participant deferral / active EE | $6,788 | $3,100+118.9% | $4,137+64.1% | $4,274+58.8% |
| Admin fee / account holder | $588 | $6,537-91.0% | $9,741-94.0% | $7,775-92.4% |