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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 | $78,909 | $80,332-1.8% | $107,187-26.4% | $64,097+23.1% |
| Participation rate | 75.5% | 54.4%+21.0pp | 75.0%+0.4pp | 55.2%+20.3pp |
| Annual return | 20.05% | 24.26%-4.2pp | 204.55%-184.5pp | 34.64%-14.6pp |
| Employer contribution / active EE | $2,961 | $2,501+18.4% | $3,782-21.7% | $1,891+56.5% |
| Participant deferral / active EE | $6,664 | $3,109+114.4% | $5,096+30.8% | $3,080+116.4% |
| Admin fee / account holder | $4,644 | $4,314+7.6% | $9,162-49.3% | $3,454+34.4% |