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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 | $133,816 | $67,602+97.9% | $82,312+62.6% | $70,126+90.8% |
| Participation rate | 94.7% | 72.8%+22.0pp | 76.9%+17.8pp | 69.5%+25.2pp |
| Annual return | 13.10% | 21.57%-8.5pp | 25.88%-12.8pp | 73.15%-60.0pp |
| Employer contribution / active EE | $3,562 | $1,755+103.0% | $2,428+46.7% | $2,343+52.1% |
| Participant deferral / active EE | $4,281 | $2,987+43.3% | $3,706+15.5% | $3,332+28.5% |
| Admin fee / account holder | $3,474 | $4,512-23.0% | $5,608-38.0% | $4,645-25.2% |