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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 | $91,642 | $55,902+63.9% | $76,030+20.5% | $80,959+13.2% |
| Participation rate | 91.9% | 62.1%+29.8pp | 69.1%+22.8pp | 67.7%+24.2pp |
| Annual return | 10.76% | 20.59%-9.8pp | 361.54%-350.8pp | 35.67%-24.9pp |
| Employer contribution / active EE | $3,738 | $1,867+100.2% | $2,688+39.1% | $2,757+35.6% |
| Participant deferral / active EE | $9,178 | $3,051+200.9% | $4,257+115.6% | $4,300+113.4% |
| Admin fee / account holder | $433 | $5,239-91.7% | $6,421-93.3% | $6,925-93.7% |