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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 | $135,549 | $58,627+131.2% | $76,735+76.6% | $82,448+64.4% |
| Participation rate | 93.1% | 63.2%+29.9pp | 69.5%+23.6pp | 68.1%+25.0pp |
| Annual return | 13.82% | 39.10%-25.3pp | 29.77%-15.9pp | 41.64%-27.8pp |
| Employer contribution / active EE | $3,505 | $1,729+102.7% | $2,454+42.8% | $2,551+37.4% |
| Participant deferral / active EE | $6,616 | $3,134+111.1% | $4,088+61.8% | $4,139+59.8% |
| Admin fee / account holder | $3,672 | $5,323-31.0% | $7,189-48.9% | $7,234-49.2% |