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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 | $97,191 | $81,358+19.5% | $155,556-37.5% | $80,959+20.1% |
| Participation rate | 96.0% | 66.3%+29.7pp | 78.2%+17.8pp | 67.7%+28.3pp |
| Annual return | 16.43% | 33.39%-17.0pp | 64.84%-48.4pp | 35.67%-19.2pp |
| Employer contribution / active EE | $2,025 | $3,106-34.8% | $4,675-56.7% | $2,757-26.5% |
| Participant deferral / active EE | $4,488 | $3,455+29.9% | $5,631-20.3% | $4,300+4.4% |
| Admin fee / account holder | $4,945 | $7,994-38.1% | $15,885-68.9% | $6,925-28.6% |