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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 | $87,593 | $78,423+11.7% | $95,964-8.7% | $79,856+9.7% |
| Participation rate | 87.9% | 73.5%+14.4pp | 77.1%+10.8pp | 69.6%+18.2pp |
| Annual return | 11.38% | 19.37%-8.0pp | 91.64%-80.3pp | 31.71%-20.3pp |
| Employer contribution / active EE | $2,959 | $1,945+52.1% | $2,541+16.4% | $2,471+19.7% |
| Participant deferral / active EE | $5,180 | $3,440+50.6% | $4,167+24.3% | $3,741+38.5% |
| Admin fee / account holder | $2,902 | $5,622-48.4% | $6,797-57.3% | $5,306-45.3% |