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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 | $235,097 | $58,851+299.5% | $115,167+104.1% | $72,976+222.2% |
| Participation rate | 85.2% | 65.5%+19.6pp | 75.9%+9.3pp | 69.5%+15.7pp |
| Annual return | 21.63% | 23.16%-1.5pp | 35.60%-14.0pp | 81.02%-59.4pp |
| Employer contribution / active EE | $2,287 | $1,798+27.2% | $3,179-28.1% | $2,440-6.3% |
| Participant deferral / active EE | $4,310 | $2,643+63.1% | $4,169+3.4% | $3,608+19.5% |
| Admin fee / account holder | $974 | $6,370-84.7% | $7,089-86.3% | $5,124-81.0% |