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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 | $84,605 | $76,407+10.7% | $150,298-43.7% | $82,448+2.6% |
| Participation rate | 80.5% | 66.4%+14.1pp | 77.8%+2.7pp | 68.1%+12.4pp |
| Annual return | 22.03% | 39.99%-18.0pp | 62.79%-40.8pp | 41.64%-19.6pp |
| Employer contribution / active EE | $3,610 | $2,614+38.1% | $4,154-13.1% | $2,551+41.5% |
| Participant deferral / active EE | $5,589 | $3,214+73.9% | $5,453+2.5% | $4,139+35.0% |
| Admin fee / account holder | $984 | $6,352-84.5% | $14,116-93.0% | $7,234-86.4% |