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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 | $86,863 | $65,367+32.9% | $92,915-6.5% | $72,976+19.0% |
| Participation rate | 96.8% | 68.3%+28.5pp | 76.0%+20.8pp | 69.5%+27.3pp |
| Annual return | 21.49% | 42.11%-20.6pp | 109.45%-88.0pp | 81.02%-59.5pp |
| Employer contribution / active EE | $2,595 | $2,594+0.1% | $3,653-29.0% | $2,440+6.4% |
| Participant deferral / active EE | $4,488 | $3,128+43.5% | $4,238+5.9% | $3,608+24.4% |
| Admin fee / account holder | $3,628 | $4,251-14.7% | $5,796-37.4% | $5,124-29.2% |