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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 | $99,137 | $76,551+29.5% | $123,894-20.0% | $62,881+57.7% |
| Participation rate | 77.3% | 73.0%+4.3pp | 81.4%-4.1pp | 69.3%+8.0pp |
| Annual return | 9.30% | 18.68%-9.4pp | 47.52%-38.2pp | 20.14%-10.8pp |
| Employer contribution / active EE | $5,317 | $2,882+84.5% | $4,617+15.2% | $2,281+133.1% |
| Participant deferral / active EE | $5,453 | $4,840+12.7% | $5,984-8.9% | $3,203+70.2% |
| Admin fee / account holder | $3,665 | $4,826-24.1% | $8,357-56.1% | $4,296-14.7% |