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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 | $95,220 | $60,442+57.5% | $96,754-1.6% | $87,485+8.8% |
| Participation rate | 84.4% | 58.7%+25.7pp | 70.3%+14.2pp | 68.9%+15.5pp |
| Annual return | 16.34% | 21.97%-5.6pp | 82.04%-65.7pp | 26.06%-9.7pp |
| Employer contribution / active EE | $2,852 | $1,691+68.7% | $2,679+6.4% | $2,596+9.8% |
| Participant deferral / active EE | $6,420 | $3,280+95.7% | $4,758+34.9% | $4,274+50.2% |
| Admin fee / account holder | $7,080 | $5,069+39.7% | $8,905-20.5% | $7,775-8.9% |