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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 | $87,098 | $64,920+34.2% | $103,693-16.0% | $86,983+0.1% |
| Participation rate | 95.5% | 63.6%+31.9pp | 72.6%+22.8pp | 69.5%+25.9pp |
| Annual return | 16.03% | 30.29%-14.3pp | 47.61%-31.6pp | 25.83%-9.8pp |
| Employer contribution / active EE | $4,391 | $2,141+105.1% | $2,920+50.4% | $2,584+69.9% |
| Participant deferral / active EE | $5,782 | $3,241+78.4% | $4,579+26.3% | $4,194+37.9% |
| Admin fee / account holder | $5,584 | $6,191-9.8% | $7,858-28.9% | $7,856-28.9% |