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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 | $90,790 | $91,559-0.8% | $133,978-32.2% | $79,856+13.7% |
| Participation rate | 91.2% | 73.3%+17.8pp | 79.8%+11.3pp | 69.6%+21.5pp |
| Annual return | 21.37% | 61.85%-40.5pp | 45.10%-23.7pp | 31.71%-10.3pp |
| Employer contribution / active EE | $5,948 | $2,384+149.5% | $3,919+51.8% | $2,471+140.7% |
| Participant deferral / active EE | $1,844 | $3,734-50.6% | $5,047-63.5% | $3,741-50.7% |
| Admin fee / account holder | $4,863 | $6,321-23.1% | $8,930-45.5% | $5,306-8.4% |