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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 | $77,741 | $53,774+44.6% | $134,162-42.1% | $79,856-2.6% |
| Participation rate | 84.0% | 58.8%+25.2pp | 72.2%+11.8pp | 69.6%+14.4pp |
| Annual return | 15.65% | 19.01%-3.4pp | 36.35%-20.7pp | 31.71%-16.1pp |
| Employer contribution / active EE | $4,230 | $1,322+220.1% | $3,705+14.2% | $2,471+71.2% |
| Participant deferral / active EE | $2,697 | $2,420+11.5% | $3,500-22.9% | $3,741-27.9% |
| Admin fee / account holder | $834 | $3,985-79.1% | $6,685-87.5% | $5,306-84.3% |