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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 | $85,548 | $91,559-6.6% | $133,978-36.1% | $79,856+7.1% |
| Participation rate | 94.4% | 73.3%+21.1pp | 79.8%+14.6pp | 69.6%+24.8pp |
| Annual return | 21.78% | 61.85%-40.1pp | 45.10%-23.3pp | 31.71%-9.9pp |
| Employer contribution / active EE | $2,824 | $2,384+18.5% | $3,919-27.9% | $2,471+14.3% |
| Participant deferral / active EE | $4,899 | $3,734+31.2% | $5,047-2.9% | $3,741+31.0% |
| Admin fee / account holder | $913 | $6,321-85.6% | $8,930-89.8% | $5,306-82.8% |