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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 | $87,088 | $77,920+11.8% | $149,723-41.8% | $75,177+15.8% |
| Participation rate | 96.6% | 65.6%+31.0pp | 78.8%+17.8pp | 67.2%+29.3pp |
| Annual return | 17.01% | 31.72%-14.7pp | 134.50%-117.5pp | 160.75%-143.7pp |
| Employer contribution / active EE | $3,661 | $3,138+16.7% | $4,821-24.1% | $2,671+37.1% |
| Participant deferral / active EE | $6,401 | $3,411+87.6% | $5,682+12.6% | $4,126+55.1% |
| Admin fee / account holder | $2,765 | $5,951-53.5% | $13,215-79.1% | $5,651-51.1% |