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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 | $81,302 | $77,638+4.7% | $156,551-48.1% | $62,881+29.3% |
| Participation rate | 70.3% | 71.2%-0.9pp | 84.0%-13.7pp | 69.3%+1.0pp |
| Annual return | 6.30% | 50.33%-44.0pp | 32.23%-25.9pp | 20.14%-13.8pp |
| Employer contribution / active EE | $3,544 | $3,444+2.9% | $5,501-35.6% | $2,281+55.4% |
| Participant deferral / active EE | $2,918 | $3,046-4.2% | $4,871-40.1% | $3,203-8.9% |
| Admin fee / account holder | $375 | $5,561-93.3% | $13,028-97.1% | $4,296-91.3% |