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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 | $79,316 | $48,078+65.0% | $78,676+0.8% | $62,881+26.1% |
| Participation rate | 95.8% | 65.2%+30.6pp | 73.6%+22.3pp | 69.3%+26.5pp |
| Annual return | 9.03% | 31.36%-22.3pp | 62.19%-53.2pp | 20.14%-11.1pp |
| Employer contribution / active EE | $802 | $2,015-60.2% | $2,850-71.9% | $2,281-64.8% |
| Participant deferral / active EE | $4,816 | $2,587+86.1% | $3,517+36.9% | $3,203+50.3% |
| Admin fee / account holder | $10,000 | $3,206+211.9% | $4,510+121.7% | $4,296+132.8% |