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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 | $82,087 | $65,367+25.6% | $92,915-11.7% | $72,976+12.5% |
| Participation rate | 93.5% | 68.3%+25.2pp | 76.0%+17.5pp | 69.5%+24.1pp |
| Annual return | 23.76% | 42.11%-18.3pp | 109.45%-85.7pp | 81.02%-57.3pp |
| Employer contribution / active EE | $4,567 | $2,594+76.1% | $3,653+25.0% | $2,440+87.2% |
| Participant deferral / active EE | $3,075 | $3,128-1.7% | $4,238-27.4% | $3,608-14.8% |
| Admin fee / account holder | $2,583 | $4,251-39.3% | $5,796-55.4% | $5,124-49.6% |