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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 | $88,691 | $77,638+14.2% | $156,551-43.3% | $62,881+41.0% |
| Participation rate | 93.6% | 71.2%+22.4pp | 84.0%+9.6pp | 69.3%+24.3pp |
| Annual return | 8.69% | 50.33%-41.6pp | 32.23%-23.5pp | 20.14%-11.5pp |
| Employer contribution / active EE | $3,181 | $3,444-7.6% | $5,501-42.2% | $2,281+39.5% |
| Participant deferral / active EE | $4,685 | $3,046+53.8% | $4,871-3.8% | $3,203+46.3% |
| Admin fee / account holder | $1,293 | $5,561-76.8% | $13,028-90.1% | $4,296-69.9% |