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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 | $79,110 | $65,367+21.0% | $92,915-14.9% | $72,976+8.4% |
| Participation rate | 95.9% | 68.3%+27.6pp | 76.0%+19.9pp | 69.5%+26.4pp |
| Annual return | 24.27% | 42.11%-17.8pp | 109.45%-85.2pp | 81.02%-56.7pp |
| Employer contribution / active EE | $7,874 | $2,594+203.6% | $3,653+115.5% | $2,440+222.7% |
| Participant deferral / active EE | $4,399 | $3,128+40.6% | $4,238+3.8% | $3,608+21.9% |
| Admin fee / account holder | $1,516 | $4,251-64.3% | $5,796-73.8% | $5,124-70.4% |