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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 | $88,455 | $78,428+12.8% | $95,960-7.8% | $79,852+10.8% |
| Participation rate | 92.0% | 73.5%+18.5pp | 77.1%+14.9pp | 69.6%+22.4pp |
| Annual return | 16.32% | 19.37%-3.1pp | 91.63%-75.3pp | 31.72%-15.4pp |
| Employer contribution / active EE | $3,020 | $1,945+55.3% | $2,541+18.9% | $2,471+22.2% |
| Participant deferral / active EE | $7,359 | $3,440+113.9% | $4,167+76.6% | $3,740+96.7% |
| Admin fee / account holder | $873 | $5,622-84.5% | $6,797-87.2% | $5,306-83.5% |