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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 | $89,093 | $65,367+36.3% | $92,915-4.1% | $72,976+22.1% |
| Participation rate | 89.8% | 68.3%+21.5pp | 76.0%+13.8pp | 69.5%+20.3pp |
| Annual return | 25.29% | 42.11%-16.8pp | 109.45%-84.2pp | 81.02%-55.7pp |
| Employer contribution / active EE | $1,135 | $2,594-56.2% | $3,653-68.9% | $2,440-53.5% |
| Participant deferral / active EE | $3,858 | $3,128+23.3% | $4,238-9.0% | $3,608+6.9% |
| Admin fee / account holder | $5,590 | $4,251+31.5% | $5,796-3.6% | $5,124+9.1% |