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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 | $69,444+95.2% | $92,985+45.8% | $87,485+54.9% |
| Participation rate | 93.1% | 63.3%+29.8pp | 69.5%+23.6pp | 68.9%+24.2pp |
| Annual return | 13.82% | 23.85%-10.0pp | 27.99%-14.2pp | 26.06%-12.2pp |
| Employer contribution / active EE | $3,505 | $1,917+82.8% | $2,662+31.7% | $2,596+35.0% |
| Participant deferral / active EE | $6,616 | $3,364+96.7% | $4,377+51.2% | $4,274+54.8% |
| Admin fee / account holder | $3,672 | $6,137-40.2% | $9,463-61.2% | $7,775-52.8% |