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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 | $81,621 | $71,208+14.6% | $93,681-12.9% | $80,911+0.9% |
| Participation rate | 88.1% | 60.4%+27.7pp | 68.7%+19.4pp | 67.6%+20.4pp |
| Annual return | 11.06% | 11.27%-0.2pp | 133.47%-122.4pp | 35.63%-24.6pp |
| Employer contribution / active EE | $4,480 | $1,564+186.3% | $2,422+84.9% | $2,756+62.6% |
| Participant deferral / active EE | $2,914 | $4,035-27.8% | $4,415-34.0% | $4,297-32.2% |
| Admin fee / account holder | $2,029 | $6,951-70.8% | $8,290-75.5% | $6,935-70.7% |