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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 | $81,358+2.3% | $155,556-46.5% | $80,959+2.8% |
| Participation rate | 96.7% | 66.3%+30.4pp | 78.2%+18.4pp | 67.7%+29.0pp |
| Annual return | 13.40% | 33.39%-20.0pp | 64.84%-51.4pp | 35.67%-22.3pp |
| Employer contribution / active EE | $6,403 | $3,106+106.1% | $4,675+36.9% | $2,757+132.2% |
| Participant deferral / active EE | $3,880 | $3,455+12.3% | $5,631-31.1% | $4,300-9.8% |
| Admin fee / account holder | $1,924 | $7,994-75.9% | $15,885-87.9% | $6,925-72.2% |