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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 | $73,274 | $77,638-5.6% | $156,551-53.2% | $62,881+16.5% |
| Participation rate | 90.2% | 71.2%+19.0pp | 84.0%+6.2pp | 69.3%+20.9pp |
| Annual return | 6.01% | 50.33%-44.3pp | 32.23%-26.2pp | 20.14%-14.1pp |
| Employer contribution / active EE | $5,324 | $3,444+54.6% | $5,501-3.2% | $2,281+133.4% |
| Participant deferral / active EE | $5,416 | $3,046+77.8% | $4,871+11.2% | $3,203+69.1% |
| Admin fee / account holder | $2,669 | $5,561-52.0% | $13,028-79.5% | $4,296-37.9% |