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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 | $64,250 | $53,774+19.5% | $134,162-52.1% | $79,856-19.5% |
| Participation rate | 96.9% | 58.8%+38.1pp | 72.2%+24.7pp | 69.6%+27.2pp |
| Annual return | 22.60% | 19.01%+3.6pp | 36.35%-13.7pp | 31.71%-9.1pp |
| Employer contribution / active EE | $3,287 | $1,322+148.7% | $3,705-11.3% | $2,471+33.0% |
| Participant deferral / active EE | $4,342 | $2,420+79.4% | $3,500+24.1% | $3,741+16.1% |
| Admin fee / account holder | $1,613 | $3,985-59.5% | $6,685-75.9% | $5,306-69.6% |