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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 | $78,926 | $65,364+20.7% | $92,909-15.1% | $72,975+8.2% |
| Participation rate | 89.3% | 68.3%+21.0pp | 76.0%+13.3pp | 69.5%+19.8pp |
| Annual return | 22.60% | 42.11%-19.5pp | 109.44%-86.8pp | 81.01%-58.4pp |
| Employer contribution / active EE | $925 | $2,594-64.3% | $3,653-74.7% | $2,440-62.1% |
| Participant deferral / active EE | $3,678 | $3,128+17.6% | $4,238-13.2% | $3,608+1.9% |
| Admin fee / account holder | $6,228 | $4,251+46.5% | $5,795+7.5% | $5,124+21.6% |