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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 | $84,025 | $78,428+7.1% | $95,960-12.4% | $79,852+5.2% |
| Participation rate | 84.4% | 73.5%+10.9pp | 77.1%+7.3pp | 69.6%+14.7pp |
| Annual return | 17.98% | 19.37%-1.4pp | 91.63%-73.7pp | 31.72%-13.7pp |
| Employer contribution / active EE | $2,784 | $1,945+43.1% | $2,541+9.6% | $2,471+12.7% |
| Participant deferral / active EE | $5,810 | $3,440+68.9% | $4,167+39.4% | $3,740+55.3% |
| Admin fee / account holder | $1,680 | $5,622-70.1% | $6,797-75.3% | $5,306-68.3% |