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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 | $85,860 | $77,638+10.6% | $156,551-45.2% | $62,881+36.5% |
| Participation rate | 93.3% | 71.2%+22.1pp | 84.0%+9.3pp | 69.3%+24.0pp |
| Annual return | 7.91% | 50.33%-42.4pp | 32.23%-24.3pp | 20.14%-12.2pp |
| Employer contribution / active EE | $4,040 | $3,444+17.3% | $5,501-26.6% | $2,281+77.1% |
| Participant deferral / active EE | $3,091 | $3,046+1.5% | $4,871-36.5% | $3,203-3.5% |
| Admin fee / account holder | $634 | $5,561-88.6% | $13,028-95.1% | $4,296-85.2% |