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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 | $47,803 | $135,956-64.8% | $123,894-61.4% | $273,972-82.6% |
| Participation rate | 91.7% | 84.1%+7.6pp | 81.4%+10.3pp | 83.0%+8.7pp |
| Annual return | 8.91% | 56.63%-47.7pp | 47.52%-38.6pp | 41.46%-32.5pp |
| Employer contribution / active EE | $6,118 | $5,170+18.3% | $4,617+32.5% | $4,869+25.7% |
| Participant deferral / active EE | $10,276 | $6,343+62.0% | $5,984+71.7% | $5,287+94.4% |
| Admin fee / account holder | $606 | $9,817-93.8% | $8,357-92.7% | $10,133-94.0% |