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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 | $112,944 | $76,407+47.8% | $150,298-24.9% | $82,448+37.0% |
| Participation rate | 76.7% | 66.4%+10.3pp | 77.8%-1.0pp | 68.1%+8.7pp |
| Annual return | 21.12% | 39.99%-18.9pp | 62.79%-41.7pp | 41.64%-20.5pp |
| Employer contribution / active EE | $2,633 | $2,614+0.7% | $4,154-36.6% | $2,551+3.2% |
| Participant deferral / active EE | $4,314 | $3,214+34.2% | $5,453-20.9% | $4,139+4.2% |
| Admin fee / account holder | $6,890 | $6,352+8.5% | $14,116-51.2% | $7,234-4.8% |