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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 | $84,182 | $81,358+3.5% | $155,556-45.9% | $80,959+4.0% |
| Participation rate | 84.8% | 66.3%+18.6pp | 78.2%+6.6pp | 67.7%+17.2pp |
| Annual return | 16.20% | 33.39%-17.2pp | 64.84%-48.6pp | 35.67%-19.5pp |
| Employer contribution / active EE | $3,064 | $3,106-1.4% | $4,675-34.5% | $2,757+11.1% |
| Participant deferral / active EE | $5,162 | $3,455+49.4% | $5,631-8.3% | $4,300+20.0% |
| Admin fee / account holder | $384 | $7,994-95.2% | $15,885-97.6% | $6,925-94.5% |