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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 | $79,305 | $81,358-2.5% | $155,556-49.0% | $80,959-2.0% |
| Participation rate | 89.7% | 66.3%+23.4pp | 78.2%+11.4pp | 67.7%+22.0pp |
| Annual return | 19.59% | 33.39%-13.8pp | 64.84%-45.2pp | 35.67%-16.1pp |
| Employer contribution / active EE | $8,737 | $3,106+181.2% | $4,675+86.9% | $2,757+216.9% |
| Participant deferral / active EE | $5,358 | $3,455+55.1% | $5,631-4.8% | $4,300+24.6% |
| Admin fee / account holder | $482 | $7,994-94.0% | $15,885-97.0% | $6,925-93.0% |