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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 | $91,729 | $76,407+20.1% | $150,298-39.0% | $82,448+11.3% |
| Participation rate | 92.6% | 66.4%+26.2pp | 77.8%+14.8pp | 68.1%+24.5pp |
| Annual return | 14.66% | 39.99%-25.3pp | 62.79%-48.1pp | 41.64%-27.0pp |
| Employer contribution / active EE | $1,985 | $2,614-24.0% | $4,154-52.2% | $2,551-22.2% |
| Participant deferral / active EE | $5,190 | $3,214+61.5% | $5,453-4.8% | $4,139+25.4% |
| Admin fee / account holder | $1,255 | $6,352-80.2% | $14,116-91.1% | $7,234-82.7% |