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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 | $92,548 | $77,638+19.2% | $156,551-40.9% | $62,881+47.2% |
| Participation rate | 88.9% | 71.2%+17.7pp | 84.0%+4.9pp | 69.3%+19.6pp |
| Annual return | 8.89% | 50.33%-41.4pp | 32.23%-23.3pp | 20.14%-11.3pp |
| Employer contribution / active EE | $3,186 | $3,444-7.5% | $5,501-42.1% | $2,281+39.7% |
| Participant deferral / active EE | $6,502 | $3,046+113.5% | $4,871+33.5% | $3,203+103.0% |
| Admin fee / account holder | $3,951 | $5,561-28.9% | $13,028-69.7% | $4,296-8.0% |