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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 | $109,486 | $77,638+41.0% | $156,551-30.1% | $62,881+74.1% |
| Participation rate | 96.0% | 71.2%+24.8pp | 84.0%+12.0pp | 69.3%+26.7pp |
| Annual return | 6.58% | 50.33%-43.7pp | 32.23%-25.6pp | 20.14%-13.6pp |
| Employer contribution / active EE | $2,819 | $3,444-18.1% | $5,501-48.8% | $2,281+23.6% |
| Participant deferral / active EE | $5,279 | $3,046+73.3% | $4,871+8.4% | $3,203+64.8% |
| Admin fee / account holder | $1,086 | $5,561-80.5% | $13,028-91.7% | $4,296-74.7% |