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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 | $94,516 | $83,337+13.4% | $67,834+39.3% | $273,972-65.5% |
| Participation rate | 80.0% | 76.4%+3.6pp | 68.8%+11.2pp | 83.0%-3.0pp |
| Annual return | 7.46% | 259.45%-252.0pp | 138.47%-131.0pp | 41.46%-34.0pp |
| Employer contribution / active EE | $6,422 | $3,287+95.4% | $2,403+167.2% | $4,869+31.9% |
| Participant deferral / active EE | $3,025 | $4,088-26.0% | $3,160-4.3% | $5,287-42.8% |
| Admin fee / account holder | $474 | $6,752-93.0% | $4,622-89.7% | $10,133-95.3% |