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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 | $93,652 | $77,638+20.6% | $156,551-40.2% | $62,881+48.9% |
| Participation rate | 79.4% | 71.2%+8.2pp | 84.0%-4.6pp | 69.3%+10.1pp |
| Annual return | 8.15% | 50.33%-42.2pp | 32.23%-24.1pp | 20.14%-12.0pp |
| Employer contribution / active EE | $6,427 | $3,444+86.6% | $5,501+16.8% | $2,281+181.8% |
| Participant deferral / active EE | $6,171 | $3,046+102.6% | $4,871+26.7% | $3,203+92.7% |
| Admin fee / account holder | $6,976 | $5,561+25.4% | $13,028-46.5% | $4,296+62.4% |