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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 | $91,829 | $78,690+16.7% | $161,489-43.1% | $87,485+5.0% |
| Participation rate | 81.1% | 67.5%+13.6pp | 78.7%+2.4pp | 68.9%+12.1pp |
| Annual return | 23.92% | 32.74%-8.8pp | 89.72%-65.8pp | 26.06%-2.1pp |
| Employer contribution / active EE | $3,973 | $2,588+53.5% | $4,268-6.9% | $2,596+53.0% |
| Participant deferral / active EE | $3,640 | $3,311+9.9% | $5,630-35.3% | $4,274-14.8% |
| Admin fee / account holder | $931 | $6,724-86.2% | $16,006-94.2% | $7,775-88.0% |