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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 | $98,995 | $81,331+21.7% | $155,534-36.4% | $80,935+22.3% |
| Participation rate | 74.1% | 66.3%+7.8pp | 78.2%-4.1pp | 67.7%+6.4pp |
| Annual return | 14.56% | 33.37%-18.8pp | 64.92%-50.4pp | 35.66%-21.1pp |
| Employer contribution / active EE | $5,599 | $3,105+80.3% | $4,675+19.8% | $2,757+103.1% |
| Participant deferral / active EE | $4,244 | $3,454+22.9% | $5,630-24.6% | $4,299-1.3% |
| Admin fee / account holder | $669 | $7,999-91.6% | $15,900-95.8% | $6,924-90.3% |