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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 | $85,828 | $61,605+39.3% | $112,273-23.6% | $75,173+14.2% |
| Participation rate | 97.7% | 61.7%+36.0pp | 72.4%+25.3pp | 67.2%+30.5pp |
| Annual return | 13.30% | 28.47%-15.2pp | 30.23%-16.9pp | 160.72%-147.4pp |
| Employer contribution / active EE | $5,058 | $2,015+151.0% | $3,431+47.4% | $2,671+89.4% |
| Participant deferral / active EE | $4,176 | $3,108+34.4% | $4,800-13.0% | $4,126+1.2% |
| Admin fee / account holder | $1,344 | $4,862-72.4% | $7,752-82.7% | $5,651-76.2% |