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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 | $99,430 | $68,878+44.4% | $120,574-17.5% | $80,935+22.9% |
| Participation rate | 88.9% | 61.7%+27.2pp | 71.9%+16.9pp | 67.7%+21.2pp |
| Annual return | 11.95% | 23.67%-11.7pp | 107.42%-95.5pp | 35.66%-23.7pp |
| Employer contribution / active EE | $5,504 | $2,065+166.6% | $3,471+58.6% | $2,757+99.7% |
| Participant deferral / active EE | $8,877 | $3,189+178.4% | $4,996+77.7% | $4,299+106.5% |
| Admin fee / account holder | $5,611 | $5,782-3.0% | $9,445-40.6% | $6,924-19.0% |