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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 | $90,976 | $77,358+17.6% | $102,184-11.0% | $87,485+4.0% |
| Participation rate | 92.9% | 78.7%+14.2pp | 82.6%+10.3pp | 68.9%+23.9pp |
| Annual return | 15.88% | 41.11%-25.2pp | 31.58%-15.7pp | 26.06%-10.2pp |
| Employer contribution / active EE | $2,885 | $2,562+12.6% | $3,594-19.7% | $2,596+11.1% |
| Participant deferral / active EE | $7,354 | $6,753+8.9% | $8,309-11.5% | $4,274+72.1% |
| Admin fee / account holder | $4,935 | $6,809-27.5% | $11,609-57.5% | $7,775-36.5% |