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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 | $81,276+3.6% | $155,574-45.9% | $80,925+4.0% |
| Participation rate | 84.8% | 66.2%+18.6pp | 78.2%+6.6pp | 67.7%+17.2pp |
| Annual return | 16.20% | 33.36%-17.2pp | 64.87%-48.7pp | 35.65%-19.4pp |
| Employer contribution / active EE | $3,064 | $3,103-1.3% | $4,676-34.5% | $2,756+11.2% |
| Participant deferral / active EE | $5,162 | $3,453+49.5% | $5,629-8.3% | $4,299+20.1% |
| Admin fee / account holder | $384 | $7,993-95.2% | $15,914-97.6% | $6,940-94.5% |