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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 | $81,276+2.4% | $155,574-46.5% | $80,925+2.9% |
| Participation rate | 96.7% | 66.2%+30.4pp | 78.2%+18.5pp | 67.7%+29.0pp |
| Annual return | 13.40% | 33.36%-20.0pp | 64.87%-51.5pp | 35.65%-22.2pp |
| Employer contribution / active EE | $6,403 | $3,103+106.3% | $4,676+36.9% | $2,756+132.3% |
| Participant deferral / active EE | $3,880 | $3,453+12.4% | $5,629-31.1% | $4,299-9.7% |
| Admin fee / account holder | $1,924 | $7,993-75.9% | $15,914-87.9% | $6,940-72.3% |