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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 | $81,262+19.6% | $155,602-37.5% | $80,911+20.1% |
| Participation rate | 96.0% | 66.2%+29.8pp | 78.2%+17.8pp | 67.6%+28.4pp |
| Annual return | 16.43% | 33.34%-16.9pp | 64.81%-48.4pp | 35.63%-19.2pp |
| Employer contribution / active EE | $2,025 | $3,102-34.7% | $4,675-56.7% | $2,756-26.5% |
| Participant deferral / active EE | $4,488 | $3,451+30.0% | $5,629-20.3% | $4,297+4.4% |
| Admin fee / account holder | $4,945 | $7,992-38.1% | $15,923-68.9% | $6,935-28.7% |