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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 | $93,044 | $84,236+10.5% | $170,435-45.4% | $70,126+32.7% |
| Participation rate | 96.8% | 70.8%+25.9pp | 83.6%+13.2pp | 69.5%+27.2pp |
| Annual return | 13.01% | 23.06%-10.1pp | 205.94%-192.9pp | 73.15%-60.1pp |
| Employer contribution / active EE | $5,119 | $3,387+51.1% | $5,432-5.8% | $2,343+118.5% |
| Participant deferral / active EE | $3,984 | $3,086+29.1% | $4,939-19.3% | $3,332+19.6% |
| Admin fee / account holder | $1,237 | $5,698-78.3% | $13,881-91.1% | $4,645-73.4% |