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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 | $86,828 | $84,236+3.1% | $170,435-49.1% | $70,126+23.8% |
| Participation rate | 97.4% | 70.8%+26.6pp | 83.6%+13.8pp | 69.5%+27.9pp |
| Annual return | 22.85% | 23.06%-0.2pp | 205.94%-183.1pp | 73.15%-50.3pp |
| Employer contribution / active EE | $4,182 | $3,387+23.5% | $5,432-23.0% | $2,343+78.5% |
| Participant deferral / active EE | $3,178 | $3,086+3.0% | $4,939-35.7% | $3,332-4.6% |
| Admin fee / account holder | $891 | $5,698-84.4% | $13,881-93.6% | $4,645-80.8% |