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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 | $91,231 | $65,364+39.6% | $92,909-1.8% | $72,975+25.0% |
| Participation rate | 87.9% | 68.3%+19.6pp | 76.0%+11.9pp | 69.5%+18.4pp |
| Annual return | 19.77% | 42.11%-22.3pp | 109.44%-89.7pp | 81.01%-61.2pp |
| Employer contribution / active EE | $1,505 | $2,594-42.0% | $3,653-58.8% | $2,440-38.3% |
| Participant deferral / active EE | $3,599 | $3,128+15.1% | $4,238-15.1% | $3,608-0.2% |
| Admin fee / account holder | $3,208 | $4,251-24.5% | $5,795-44.6% | $5,124-37.4% |