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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 | $81,306 | $124,980-34.9% | $108,359-25.0% | $154,746-47.5% |
| Participation rate | 93.8% | 75.2%+18.6pp | 70.1%+23.6pp | 80.7%+13.0pp |
| Annual return | 18.29% | 45.00%-26.7pp | 36.89%-18.6pp | 172.34%-154.1pp |
| Employer contribution / active EE | $5,264 | $2,851+84.6% | $2,399+119.4% | $4,379+20.2% |
| Participant deferral / active EE | $5,870 | $4,743+23.8% | $4,137+41.9% | $6,730-12.8% |
| Admin fee / account holder | $4,865 | $11,502-57.7% | $9,741-50.1% | $14,365-66.1% |