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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 | $83,264 | $81,233+2.5% | $155,567-46.5% | $80,874+3.0% |
| Participation rate | 96.7% | 66.2%+30.4pp | 78.2%+18.5pp | 67.6%+29.0pp |
| Annual return | 13.40% | 33.33%-19.9pp | 64.74%-51.3pp | 35.62%-22.2pp |
| Employer contribution / active EE | $6,403 | $3,101+106.5% | $4,674+37.0% | $2,756+132.4% |
| Participant deferral / active EE | $3,880 | $3,452+12.4% | $5,628-31.0% | $4,297-9.7% |
| Admin fee / account holder | $1,924 | $7,998-75.9% | $15,916-87.9% | $6,935-72.3% |