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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 | $78,494 | $81,331-3.5% | $155,534-49.5% | $80,935-3.0% |
| Participation rate | 81.1% | 66.3%+14.8pp | 78.2%+2.9pp | 67.7%+13.4pp |
| Annual return | 14.52% | 33.37%-18.9pp | 64.92%-50.4pp | 35.66%-21.1pp |
| Employer contribution / active EE | $5,923 | $3,105+90.8% | $4,675+26.7% | $2,757+114.9% |
| Participant deferral / active EE | $3,153 | $3,454-8.7% | $5,630-44.0% | $4,299-26.7% |
| Admin fee / account holder | $3,070 | $7,999-61.6% | $15,900-80.7% | $6,924-55.7% |