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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 | $92,065 | $76,407+20.5% | $150,298-38.7% | $82,448+11.7% |
| Participation rate | 98.8% | 66.4%+32.4pp | 77.8%+21.0pp | 68.1%+30.7pp |
| Annual return | 14.75% | 39.99%-25.2pp | 62.79%-48.0pp | 41.64%-26.9pp |
| Employer contribution / active EE | $2,523 | $2,614-3.5% | $4,154-39.3% | $2,551-1.1% |
| Participant deferral / active EE | $4,610 | $3,214+43.4% | $5,453-15.5% | $4,139+11.4% |
| Admin fee / account holder | $2,408 | $6,352-62.1% | $14,116-82.9% | $7,234-66.7% |