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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 | $94,028 | $65,364+43.9% | $92,909+1.2% | $72,975+28.8% |
| Participation rate | 83.3% | 68.3%+15.0pp | 76.0%+7.3pp | 69.5%+13.8pp |
| Annual return | 21.51% | 42.11%-20.6pp | 109.44%-87.9pp | 81.01%-59.5pp |
| Employer contribution / active EE | $2,886 | $2,594+11.3% | $3,653-21.0% | $2,440+18.3% |
| Participant deferral / active EE | $2,066 | $3,128-34.0% | $4,238-51.3% | $3,608-42.7% |
| Admin fee / account holder | $3,704 | $4,251-12.9% | $5,795-36.1% | $5,124-27.7% |